Do I need to call my insurance company first?

No. Just contact us. We deal with your insurance company directly and handle the claim, the billing, and all the paperwork for you. In the rare case your insurer needs to hear from you personally, we'll tell you exactly what to say. It usually takes just a couple of minutes, and we take care of everything after that.

What information do you need from me?

Your name, phone number, vehicle year, make, and model (the VIN helps), your insurance company, when and how the damage happened, where you'd like us to come, and a photo of the damage if you have one. If you've already opened a claim, send us the claim number too. We handle the rest.

Do you bill my insurance company directly?

Yes. We bill your insurer directly and handle all the paperwork. You only pay your deductible, if your policy has one, and the insurer covers the rest of the approved claim.

Is there a time limit for filing a windshield claim?

Policies require you to report damage promptly. Waiting weeks can raise questions about when the damage happened, and a small chip can spread into a crack that needs a full replacement. Contact us as soon as you notice the damage.

Do I need a police report for a windshield claim?

Not for everyday damage like a rock chip or a crack that spread. If your windshield or window was smashed in a break-in or vandalism, your insurer may ask you to report it to police first. We'll tell you what your insurer needs.

How Windshield Insurance Claims Work in Ontario

Name: Windshield Toronto Replacement
Address: [ADDRESS], Toronto, ON, CA
Telephone: [PHONE]

You tell us about your vehicle and the damage. We deal with your insurer, handle the billing and paperwork, and come to your home or workplace in Toronto. Here is what happens at each step.

We deal with your insurer directly

We open and manage the claim with your insurance company, so you don't have to spend time on the phone.

We handle all the billing and paperwork

We bill your insurer directly and take care of every form. You only pay your deductible, if your policy has one.

We come to you

Our mobile service replaces your windshield at your home or workplace anywhere in Toronto, so there's no need to take time off or drive with a cracked windshield.

Will my insurance go up?

A windshield claim is a no-fault comprehensive claim — in most cases it won't affect your insurance premium.

Every policy is different, and multiple claims in a short period can be treated differently, so confirm with your insurer if you're unsure.

Step 1: Send the details you have

Start with your name, phone number, insurance company, and vehicle year, make, and model. A VIN helps us identify the right windshield when several glass options fit the same model. Tell us when and how the damage happened and whether the windshield has cameras, a heads-up display, heating, or rain sensors.

Send a photo if you can, along with your postal code and preferred appointment location: home, work, or our shop. If a claim is already open, give us the claim number. You do not need to open another one. A policy number is useful if available, but you can contact us to get started without every detail ready.

Step 2: We contact your insurance company

We deal with the insurer directly to help set up the claim and establish what the policy covers. For rocks, weather, debris, or vandalism, comprehensive coverage is usually relevant. If damage happened in a collision, tell us that clearly so the insurer can apply the appropriate coverage rather than treat it as an unrelated glass incident.

You usually do not need to call your insurer first. Occasionally, they need to confirm something with you personally. We explain the information they need and take care of the process after that. Reporting damage promptly helps avoid questions about timing and lets us assess a chip before it spreads.

Step 3: We confirm the approved work and your cost

After the claim is opened, we check the applicable deductible, glass eligibility, and any required calibration. Opening a file is not the same as having every item approved. We explain the scope before work starts, including whether OEM glass is covered or whether aftermarket glass is approved instead.

You pay your policy's deductible, if it has one, for the approved claim. We do not waive or pay it. If you request an upgrade outside the insurer's approval, we explain that separate cost before you decide. If there is no coverage, we can quote privately so you can compare your options without assuming insurance will pay.

Step 4: We arrange the glass and appointment

We match your vehicle's features, not just its make and model. Heated glass, rain sensors, acoustic layers, and heads-up displays can change the windshield needed. On camera-equipped vehicles, we also arrange ADAS calibration where required and confirm its inclusion with the insurer.

Same-day or next-day appointments are available in most cases, depending on glass availability. We tell you if a special order or claim confirmation changes the timeline. Our mobile windshield replacement service comes to homes and workplaces across Toronto. Share parking and access details so we can check whether the proposed location is suitable.

Step 5: We replace the windshield and explain the wait

The replacement itself usually takes about [REPLACEMENT TIME, e.g. 60–90 minutes]. Allow extra time if camera calibration is required. Installation time and safe drive-away time are different: the adhesive must cure before the vehicle can be driven safely, even when the fitting work looks finished.

The usual curing wait is about [DRIVE-AWAY TIME, e.g. 1 hour], depending on the adhesive and weather. We tell you the specific safe drive-away time rather than leave you to estimate it. If your appointment location or schedule cannot accommodate the work safely, we discuss an alternative plan, including service at our shop.

Step 6: We handle the invoice and paperwork

We bill the insurer directly for the approved claim and handle the supporting paperwork. You are responsible for the confirmed deductible and any separately agreed extras, not for chasing reimbursement for the approved insured amount. If something in the proposed work changes, ask us to explain it before proceeding.

A windshield claim from non-collision damage is usually a no-fault comprehensive claim and in most cases does not increase your premium. Several claims in a short period or a claims-free discount can be treated differently. Confirm those points with your insurer or broker if you are unsure before choosing to claim.

Start with your insurer and vehicle

See our insurance replacement guide, Intact guide, and FAQ for more answers.

Cracked windshield? You don't have to deal with the insurance company. We do it for you. Call [PHONE] or start your claim online.

Start your insurance claim

Tell us your insurer and vehicle. We'll handle the claim, the billing, and the paperwork, and come to you.

We handle everything. We come to you.

Insurance company

Policy number (optional)Claim number, if already opened (optional)Date the damage happened How it happened Name Phone Email Postal code Vehicle year Make Model VIN (optional)Glass preference Where should we come?

Address for the appointment (optional)

Photo of the damage (optional)

Message (optional)

A windshield claim is no-fault — in most cases it won't affect your premium. We never waive or inflate deductibles.