Whether a claim makes sense comes down to your coverage, your deductible, and what the work costs. Here is how to think it through.
Check your coverage first
Glass damage from something like a flying stone is usually handled under the optional physical damage parts of an Ontario auto policy, not basic coverage. Policies differ, so ask your insurer or broker what yours includes.
Compare the quote with your deductible
Get a quote, then compare it with your deductible. If the job costs less than your deductible, or only a little more, paying yourself may make more sense. If it costs well above your deductible, a claim is worth considering.
Questions to ask your insurer
- Is this damage covered, and what is my deductible?
- Could this claim affect my premium?
- Does my policy allow genuine (OEM) glass?
- Is ADAS calibration covered if my vehicle needs it?
How the billing works with us
We bill your insurance company directly for covered claims, so there is less paperwork for you. Tell us who your insurer is, and your claim number if you have one. See our auto glass replacement service.
