If your policy has comprehensive coverage, glass damage is usually covered and many drivers pay $0. We open the claim, do the paperwork and bill the insurer directly.
Glass falls under the comprehensive section of an Ontario auto policy (or the OPCF 43 endorsement on some policies). Comprehensive is the optional coverage that pays for damage not caused by a collision: a stone off a truck, vandalism, a tree branch, hail. If you carry it, a cracked windshield is a covered loss, subject to your comprehensive deductible.
Two details work in your favour. First, many insurers waive the deductible entirely for chip repair, because a repair costs them far less than a replacement. Second, comprehensive claims generally do not affect your premium the way an at-fault collision does. If you are unsure, your broker can confirm both in a minute.
If you carry only liability or collision coverage, glass is not covered and you pay the shop directly. Repairs are inexpensive; replacements vary by vehicle, and we will quote before starting.
We work with all major Canadian insurers, including the ones below, and with Quebec insurers for Gatineau drivers. If yours is not listed, call; it almost certainly still works.
Your insurer may suggest a preferred shop when you call in a claim. In Ontario you have the right to choose where your vehicle is repaired, and using an independent shop does not affect your coverage. If you would rather have the work done here, tell the adjuster and we take it from there.
Comprehensive glass claims are generally not rated the way at-fault collisions are. Your broker can confirm how your insurer treats them.
Your comprehensive deductible, if any. Many policies have no deductible for chip repair, and some have a reduced deductible for glass replacement.
Yes. Gatineau, Aylmer and Hull drivers are a regular part of our mobile route and we bill Quebec insurers directly.
Yes, for classic and collector vehicles. See our classic car page.
Open seven days. Same-day appointments available for most vehicles.
