If your windshield or windows are damaged, filing an insurance claim can help cover the cost of repairs or replacement. The process is simpler than many drivers expect, but knowing what to expect can save you time and frustration. Here’s a step-by-step guide to filing an auto glass insurance claim.
Check Your Insurance Policy
Before starting your claim, review your insurance policy to see if you have comprehensive coverage. This is the part of your policy that usually pays for glass damage caused by:
- Flying debris and rocks
- Vandalism or theft
- Severe weather
- Falling objects
According to the Insurance Bureau of Canada (IBC), comprehensive coverage is optional but strongly recommended for all drivers.
Document the Damage
Take clear photos of the damage as soon as it happens. If the incident involved vandalism or theft, file a police report. This documentation helps your insurer process your claim faster.
Be prepared to provide details about when and how the damage occurred.
Contact Your Insurance Company
Next, call your insurance company or use their online claim system. You’ll need to share:
- Your policy number
- Details about the damage
- Photos or a police report (if applicable)
Many insurers can approve simple claims like windshield repairs immediately over the phone.
Understand Your Deductible
Your deductible is the portion you pay out of pocket before insurance covers the rest. For glass claims, this often ranges from $100–$500. Some policies include zero-deductible glass repair, which means you pay nothing for a repair.
According to the Canadian Automobile Association (CAA), repairing chips early can help you avoid paying your deductible for a full replacement later.
Schedule Repairs with a Trusted Shop
After your claim is approved, you can schedule your repair or replacement. You are free to choose any certified repair shop—you don’t have to use your insurer’s preferred provider.
At Speers Auto Glass, we can help you navigate your claim and provide direct billing to most insurance companies. Learn more about our windshield repair services.
What to Expect During the Repair
Most chip repairs take less than 30 minutes and don’t require much paperwork. For a full windshield replacement, expect about 1–2 hours plus any additional time for calibration if your vehicle has ADAS features.
Once the work is complete, your shop will provide you with an invoice and warranty documentation.
Keep Your Records
Save all paperwork related to your claim, including:
- Repair invoices
- Photos of the damage
- Correspondence with your insurer
These records help protect you if there are questions about your claim or additional damage in the future.
Contact Speers Auto Glass today to get help filing your claim and restoring your vehicle’s glass quickly and professionally.
Related Posts in This Series
- Insurance Coverage for Auto Glass Repair
- Is It Legal to Drive with a Broken Window?
- Windshield Repair and Vehicle Safety Inspections