Is It Advisable to Use Insurance to Repair a Windshield?

Jun 1, 2024

 

 

A broken windshield is more common than we’d like, especially when living in Ontario with its challenging weather conditions and the heavily trafficked Highway 401, one of the busiest routes in the world. Today, we want to explore the pros and cons of using your insurance to replace a windshield and understand if it will impact your insurance premium. The important thing is to define that a broken windshield is typically the result of an accident – windshields are a crucial structural component of modern vehicle safety systems, designed to protect your life when necessary. This is the most important factor to consider when deciding how long you can wait to replace your windshield.

When faced with a broken windshield, it’s time to obtain quotes, and you should keep a few things in mind. The first step is to have your Vehicle Identification Number (VIN) or your vehicle registration on hand to make the process simpler and more specific. Ensure the windshield you choose has all the necessary certifications. There are low-quality options on the market that can jeopardize your safety and do not offer adequate warranties.

Next, in most places, you will encounter the question, “Do you want to claim your insurance?” This is the moment for reflection. Let’s delve into the reasons why using your insurance might be beneficial:

Benefits of Using Insurance for Windshield Replacement

  1. Maximize Your Investment:

    • You pay your insurance premiums monthly for a reason. When an accident happens, using your insurance helps you get the most out of your investment. It effectively reduces your out-of-pocket expense for something that is covered under your policy.
  2. High-Quality Repairs:

    • Insurance companies work with reputable service providers who meet industry standards for safety and quality. This ensures that the windshield replacement will meet all necessary certifications, safeguarding you and your vehicle.
  3. Convenience and Peace of Mind:

    • Insurance claims typically streamline the process, reducing the stress of dealing with the repair. Insurance companies and their partners handle the paperwork and details, allowing you to focus on getting back on the road safely.
  4. Preserve Your Safety:

    • A properly installed and certified windshield is crucial for the structural integrity of your vehicle. By using your insurance, you can ensure that the replacement is performed to the highest standards, which is especially vital in the challenging driving conditions of Ontario.

Common Concerns About Using Insurance

  • Impact on Premiums:

    • One common concern is whether making a claim for windshield replacement will increase your insurance premiums. Generally, windshield repairs and replacements are considered minor claims and do not have a significant impact on your insurance rates. However, it’s always best to confirm this with your insurance provider.
  • Deductibles:

    • It’s important to be aware of your insurance policy’s deductible. In many cases, the cost of replacing a windshield might be less than or close to your deductible amount, which means you’d be paying out of pocket anyway. However, if the cost is significantly higher, making a claim can save you a substantial amount of money.

Steps to Take When Your Windshield is Broken

  1. Contact Your Insurance Provider:

    • Inform them about the damage and ask about your coverage and deductible. They will guide you through the next steps and provide information on approved service providers.
  2. Get an Estimate:

    • Obtain quotes from certified service providers. This ensures that you are getting a fair price and quality service.
  3. Schedule the Repair:

    • Coordinate with your insurance company and the service provider to schedule the repair. Ensure that the repair or replacement process does not compromise on safety and quality.
  4. Inspect the Repair:

    • Once the replacement is complete, inspect the work to ensure it meets all safety standards and is free from defects. A reputable service provider will offer a warranty on their work.

Additional Benefits with Allbrite Glass & Tint

When you choose to use your insurance for windshield replacement at Allbrite Glass & Tint, you may be eligible for additional benefits and incentives. We often have promotions or extra perks for clients who go through their insurance. These can include:

  • Special Discounts
  • Free Aquapel Treatment
  • New Windshield Wipers
  • Extended Warranties

To find out more about our current promotions and how you can take advantage of these additional benefits, give us a call. Our team is always ready to help you get the most out of your insurance policy.


In conclusion, using your insurance to replace a broken windshield can be a smart decision that maximizes your monthly investment in your policy. It ensures you receive high-quality repairs that meet safety standards, and it streamlines the process, giving you peace of mind. While it’s important to consider potential impacts on your premium, for most minor claims like windshield replacements, this impact is minimal. By following the steps outlined, you can make informed decisions that benefit both your vehicle and your wallet.