MPI Auto Glass Claim
When your windshield cracks or gets chipped, the first question most Winnipeg drivers ask is:
“Should I pay out of pocket or open an MPI auto glass claim?”
The truth is simple — MPI auto glass claim is almost always the smarter choice, and it does NOT affect your insurance premium.
Below is a complete breakdown so you can make the best financial decision.
For most auto glass repairs and replacements, you pay only the MPI deductible, which is far lower than full repair costs.
Typical pricing in Winnipeg:
Out of pocket: $120–$400 for stone chip/crack repairs
Windshield replacement: $350–$900+, depending on the vehicle
MPI claim: a small deductible (often $0 for stone chips)
Many drivers assume a glass claim increases their rates — it does not.
MPI treats auto glass repairs as non-surchargeable claims, meaning you can make unlimited glass claims without impacting your premium.
That’s why GlassLab recommends:
If you have damage, always make an MPI glass claim.
With an MPI claim:
✔ No paperwork
✔ No long processing time
✔ Direct insurance billing
✔ Same-day chip repair in many cases
At Glass Lab, we file your claim on your behalf so you never need to deal with MPI. All you need to do is fill our MPI Auto Glass Claim Form
No — glass claims do not affect your insurance rates.
Only if the damage is extremely minor and cheaper than your deductible.
Yes. MPI allows unlimited stone-chip and windshield claims.
