Auto glass damage is one of the most common insurance claims in Canada. Whether it’s a rock chip, a cracked windshield, or vandalism damage, your insurance policy can help cover the cost. Understanding how coverage works makes it easier to get repairs done quickly. Here’s what you need to know.
What Kind of Insurance Covers Auto Glass?
Comprehensive insurance is the part of your auto policy that typically covers glass damage. This coverage applies to incidents like:
- Rocks and road debris
- Vandalism or theft
- Falling objects
- Severe weather (hail, ice storms)
According to the Insurance Bureau of Canada (IBC), comprehensive insurance is optional but highly recommended to protect against these risks.
Deductibles and Out-of-Pocket Costs
When you file a claim, you may need to pay a deductible. This is the amount you agree to cover before your insurance pays the rest. Common deductibles for glass damage range from $100 to $500, depending on your policy.
Some insurance companies offer a zero-deductible glass coverage option, meaning repairs or replacements cost you nothing out of pocket.
Repair vs Replacement
Insurance companies usually prefer repairs over replacements when possible. Repairs are faster, cost less, and help maintain your vehicle’s original glass seal.
If the damage is too severe to repair—like a crack longer than 6 inches or multiple chips in the driver’s line of sight—your insurer will cover full replacement under comprehensive coverage.
Will a Claim Affect My Premium?
Many drivers worry that filing an auto glass claim will raise their insurance rates. Generally, a single glass claim does not impact your premium. However, if you have multiple claims in a short period, your insurer could review your policy.
According to the Canadian Automobile Association (CAA), it’s a good idea to ask your insurer about their specific policy regarding claims and rate increases.
How to File a Glass Claim
Filing a claim is usually straightforward. Here are the typical steps:
- Contact your insurance company to report the damage.
- Provide photos or details about how it occurred.
- Schedule an inspection or repair with an approved shop.
- Pay any deductible if applicable.
At Speers Auto Glass, we can help you process your claim and handle paperwork directly with your insurer.
Choosing a Repair Shop
You have the right to choose your repair shop, even if your insurer recommends a specific provider. Always make sure your shop is certified and uses OEM-quality glass to protect your warranty and maintain vehicle safety.
Learn more about our windshield repair services and how we can work with your insurance company.
Contact Speers Auto Glass today to get help with your insurance claim and restore your glass quickly and professionally.
Related Posts in This Series
- Filing an Insurance Claim for Auto Glass
- Is It Legal to Drive with a Broken Window?
- Windshield Repair and Vehicle Safety Inspections