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Can I Choose My Own Windshield Shop for an Insurance Claim in Ontario?

2 min read
Technicians positioning replacement windshield glass on an SUV

When you report a cracked windshield, your insurer may send you to a shop from their preferred network. Many drivers assume they have to go there. In most cases, you don't.

You generally get to choose

In Ontario, drivers can generally choose where their vehicle is repaired. Your insurer can recommend a shop, but the choice is yours. Just tell your insurer which shop you'd like to use when you file the claim.

Why the shop you choose matters

  • Glass quality. Ask whether you'll get OEM (original manufacturer) glass or aftermarket glass, and what your policy covers.
  • Camera calibration. Many newer cars have lane-assist and emergency-braking cameras mounted behind the windshield. These must be recalibrated after replacement. Not every shop does this properly.
  • Convenience. A mobile shop can replace your windshield in your driveway or work parking lot.
  • Service. A local shop that handles the claim paperwork saves you hours on the phone.

What if my insurer pushes back?

Be polite but clear: "I'd like to use Windshield Toronto Replacement." Give them our name and number. If there's a price difference between their network rate and ours, we'll tell you upfront before any work starts. No surprises.

Why drivers choose us

  • We handle the claim with your insurer
  • Mobile service across Toronto and the GTA
  • Camera recalibration on vehicles that need it
  • You pay only your deductible on covered claims

Cracked windshield? We handle your insurance claim for you. Send us your insurer and policy number and we'll take it from there. You only pay your deductible.

Call Start My Claim