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Insurance Claims
Am I covered for windshield insurance claims?
Good news! Generally, your policy covers chips and cracks in your windshield. If your auto insurance policy includes comprehensive coverage, it should be airtight. Comprehensive insurance covers damage to your vehicle that isn’t caused by a collision and includes coverage for falling or flying objects, especially stones.
If your vehicle’s insurance policy does not include comprehensive coverage, then windshield damage may be up to your insurer. Our experience is that most insurers in Canada will honour this kind of claim in good faith, as long as it doesn’t happen often.
Windshield replacements may only cost between $160-$300 for older cars, but replacing one on a newer car could set you back as much as $3,500. Incorporating all of the technical calibrations for sensors and safety cameras can be expensive, both for replacement parts and for the labour required. In general, exotic cars come with higher repair costs.
What should I do if my windshield is chipped?
If your car’s windshield is chipped, you should get it repaired as quickly as possible. It’s typically much cheaper to fix a windshield than to replace one, even if you don’t have the coverage on your policy.
Repairing a chip is a fraction of the cost of replacing the whole windshield. Glass repair technology is surprisingly effective, and the repair facilities can often fix large or strangely shaped chips. Even small cracks can be repaired, but if it becomes bigger than a quarter, your windshield will likely get worse. This as a general guideline rather than a hard and fast rule, though!