A crack in your windshield usually starts small. A stone off the 401, a cold morning, and suddenly there's a line running across your view. The first question most drivers ask is simple: will my insurance pay for this?
In most cases in Ontario, the answer is yes, as long as you have the right coverage.
Which part of your policy covers glass?
Windshield damage is usually covered under the optional physical damage coverages on your Ontario auto policy:
- Comprehensive coverage covers damage that isn't from a collision, like rocks, falling branches, hail, vandalism and theft. This is where most windshield claims fall.
- All perils coverage combines collision and comprehensive, so glass damage is covered there too.
- Specified perils coverage only covers the events listed in your policy. Glass damage from a flying stone may or may not be included, so check your wording.
If you only carry the mandatory minimum coverage (liability, accident benefits, direct compensation and uninsured automobile), your windshield is likely not covered.
What will you pay?
You pay your deductible, and your insurer covers the rest. Comprehensive deductibles in Ontario are commonly a few hundred dollars, but yours could be higher or lower. Some insurers offer a reduced deductible or a glass endorsement, so it's worth checking your policy or your insurer's app.
If the replacement costs less than or close to your deductible, it may make more sense to pay directly. We'll give you a straight answer on both prices so you can decide.
What about leased or financed cars?
If your car is leased or financed, your lender almost always requires comprehensive coverage, so your glass is very likely covered.
The easy way to claim
You don't have to chase paperwork. When you book with Windshield Toronto Replacement, we:
- Confirm your coverage with your insurer
- Handle the claim details and billing
- Replace your windshield at your home, work or our location
- Recalibrate your safety cameras if your car needs it
You just pay your deductible.
FAQ
Does a windshield claim count as an at-fault claim?
A glass claim under comprehensive coverage isn't a collision, so it isn't treated like an at-fault accident. Each insurer has its own rules on claims history, so ask yours if you're unsure.
Can I get a chip repaired instead?
Yes. Small chips can often be repaired instead of replacing the whole windshield, and many insurers encourage it.
Do I need a police report?
Not for a typical stone chip or crack. You may need one for vandalism or theft.