MPI Auto Glass Claim vs Paying Out of Pocket

January 3, 2026

MPI Claim Insurance vs Out-of-Pocket Auto Glass Repair

What’s Better for Manitoba Drivers?

When your windshield cracks or a stone chip appears, the first question most Winnipeg drivers ask is:

“Should I pay out of pocket or file an MPI auto glass claim?”

The answer is straightforward:
An MPI auto glass claim is almost always the smarter, cheaper, and safer option—and it does NOT affect your insurance premium.

Below is a clear breakdown to help you make the best financial decision for your vehicle.

Why MPI Auto Glass Claims Are Cheaper Than Paying Out of Pocket

1. You Pay Significantly Less

With an MPI auto glass claim, you usually pay only the deductible, which is far lower than the full repair or replacement cost.

Typical Winnipeg pricing:

  • Out of pocket
    • Stone chip or crack repair: $120–$400
    • Windshield replacement: $350–$900+ (vehicle-dependent)
  • MPI auto glass claim
    • Stone chip repair: $0 deductible (in most cases)
    • Windshield replacement: small deductible only

For most drivers, filing an MPI claim saves hundreds of dollars.

2. MPI Auto Glass Claims Do NOT Increase Your Insurance Premium

This is one of the most common misconceptions.

Glass claims are non-surchargeable under MPI.
 That means:

  • Your premium does not go up
  • Your driver safety rating is not affected
  • You can make multiple glass claims if needed

MPI treats auto glass damage differently from collision claims.

Bottom line:
 If you have glass damage, using your MPI coverage is financially smart.

3. Faster, Hassle-Free Repairs

Many drivers avoid claims because they expect paperwork and delays. With auto glass claims, that is not the case.

With an MPI auto glass claim:

  • No complicated paperwork
  • No long approval process
  • Direct billing to MPI
  • Same-day stone chip repair in many cases

At Redcoat Auto Glass, we handle the MPI claim process on your behalf, so you do not need to contact MPI yourself.

You simply:

  1. Book your appointment
  2. We file the MPI auto glass claim
  3. Your glass gets repaired or replaced

Simple, fast, and stress-free.

When Is Paying Out of Pocket Better?

Paying out of pocket only makes sense if:

  • The damage is extremely minor
  • The repair cost is less than your deductible

In most real-world cases, MPI coverage remains the better option.

Frequently Asked Questions (FAQs)

Does an MPI auto glass claim increase my insurance premium?

No. MPI glass claims do not affect your insurance rates.

Can I make more than one MPI auto glass claim?

Yes. MPI allows unlimited stone-chip and windshield claims.

Do I need to contact MPI myself?

No. Redcoat Auto Glass handles the claim for you, including direct billing.

Does MPI cover windshield replacement?

Yes. MPI covers windshield replacement, subject to your deductible.

The Smart Choice for Brandon’s Drivers

If your windshield is chipped, cracked, or shattered, filing an MPI auto glass claim is almost always the most cost-effective decision.

At Redcoat Auto Glass, we provide:

  • MPI-approved auto glass repairs
  • Windshield replacement
  • Stone chip repair
  • Fast service with minimal downtime
  • Full MPI claim handling

Book Your MPI Auto Glass Repair Today

Don’t overpay by going out of pocket when your MPI coverage already protects you.

Redcoat Auto Glass — Manitoba’s trusted choice for fast, professional, MPI-approved auto glass repair.

Get back on the road safely, clearly, and confidently.