If you’re filing a windshield rock chip claim through insurance, you can usually choose who performs the repair. Your insurer may recommend “preferred providers” or try to steer you to a specific company, but you generally have the right to insist on the repair shop of your choice.

Also, be aware that some providers claim to do chip repairs but are really in the windshield replacement business—so their incentive may be to recommend replacement instead of repair when a repair could be sufficient. Ask questions, get a second opinion if needed, and choose the provider you trust.