The rule is simple: if your MPI deductible is lower than the cash price of the repair, file a claim. If the cash price is lower than your deductible, pay out of pocket. Because glass claims don't affect your MPI rates, there's no hidden cost to claiming. Here's how to apply that rule to your situation.
Why claiming is usually the smart choice
With most car insurance, a claim can push your premium up. Manitoba glass claims are different: glass-only claims don't affect your MPI premiums, rates or Driver Safety Rating. So the only cost of a claim is your deductible, and for chip repairs at any extension level, that's $0.
Step 1: Know your deductible
Check the "ALL PERILS" line on the white portion of your vehicle registration. As of April 1, 2026, here's what you'd pay through a claim:
Step 2: Get a cash price
Cash prices vary a lot by vehicle. A windshield for an older vehicle without driver-assist cameras can be fairly affordable, while a windshield on a newer SUV or truck with lane-assist cameras, rain sensors or a heads-up display can cost far more, especially once ADAS calibration is added. AA Auto Glass gives free cash quotes, usually within 1 hour during business hours.
Step 3: Compare
Chip repair with any extension deductible: claim. It's free.
Windshield replacement on Extension $200 or $300: claim, in almost every case.
Extension $500 or $750: compare. On older vehicles without cameras, cash may win; on newer vehicles, a claim usually wins.
Basic $1,000: get a cash quote first. It's often cheaper than the deductible, except on vehicles with ADAS cameras or premium glass.
When paying out of pocket makes sense
You have the $1,000 basic deductible and the cash quote is lower.
Your vehicle isn't registered with MPI yet, for example because it still needs a safety inspection.
You have out-of-province plates or insurance.
You simply prefer to pay yourself.
Don't forget ADAS calibration
Many vehicles from about 2018 onward have a camera mounted behind the windshield for lane-departure warning, adaptive cruise control or automatic braking. After a windshield replacement, that camera must be recalibrated. Calibration adds to the total cost, which often makes a claim worthwhile even at a higher deductible. Through MPI, calibration is included in the glass claim. Learn more about ADAS calibration.
Let us do the math for you
Not sure which option is cheaper? Send us your vehicle details and damage. We'll check your coverage, give you a cash price, and tell you honestly which costs less. Either way, you get certified technicians, mobile service, free pickup and drop-off in Portage la Prairie, and our lifetime workmanship warranty.
Open an MPI claim or get a free cash quote. Questions? Call 431-244-9606.
