Windshield Repair in Ontario

Insurance Coverage

Whether it’s your first time making a glass claim or you’ve been through it before, we’ll make sure the process is smooth, transparent, and stress-free.

Insurance Coverage for Windshield Repair in Ontario

Insurance Coverage in Ontario

WARRANTIES

What Does Insurance Cover?

Most drivers in Ontario have access to glass coverage through their comprehensive auto insurance policy. Here’s what that usually includes:

Windshield Repairs (for chips and cracks)
Full Glass Replacement (if the damage is severe)
Side and Rear Window Damage
Coverage for Shattered Glass from Debris or Vandalism

Many policies cover repairs without affecting your premium, especially if it’s a minor repair.

Types of Coverage Available

There are two common ways your glass might be covered:

Comprehensive Auto Insurance: This includes glass damage, theft, vandalism, and natural disasters.
Stand-Alone Glass Coverage: Some insurers offer optional coverage that lowers premiums or waives deductibles specifically for auto glass.

Understanding The Claims Process

Filing an auto glass claim in Ontario is easier than you might think — and we can even help you do it.

Notify your insurance provider as soon as you notice the damage.
Or, let Prime Auto Glass & Tint handle it for you — we’ll walk you through the paperwork.

Provide details like:

Type of damage
Where and when it happened
Police report (if applicable)

Some insurers may ask for repair estimates or use preferred vendors — and that’s where we step in.

We work with most major insurance providers.
We can submit estimates and coordinate directly.
You still have the right to choose where your glass gets repaired or replaced.

Repair vs. Replacement

Insurance companies usually prefer to repair over replace — and that’s good news for you:

Repair	Replacement
No cost with most policies	Required for extensive damage
Faster and simpler	Might involve a deductible
Keeps your original glass seal	Needed if damage blocks driver’s view

If it’s just a small chip or crack, there’s a high chance it’ll be repaired at no cost to you.

Deductibles and Costs

No-Deductible Glass Repairs are common with many Ontario insurers
For replacements, a deductible may apply based on your plan
Always check your policy details — or ask us, and we’ll help you review it

Some insurers offer unlimited glass claims per year, while others limit how many you can make before your premium increases.

Choosing Your Repair Shop

In Ontario, you’re legally allowed to choose your auto glass repair shop, even if your insurance company has preferred vendors.

Here’s why customers choose Prime Auto Glass & Tint:

We’re fully certified and insurance-approved
We handle paperwork, quotes, and claims
We prioritize fast turnaround and high-quality materials

Your Rights & Provincial Rules

Insurance rules vary across Canada, and Ontario has its own regulations:

You have the right to repair where you choose
No-fault insurance applies, glass damage won’t always raise your premiums
Consumer protection laws are in place to help you avoid overpaying

If you’re not sure about your policy or you’re running into confusing fine print, reach out. Our team will walk you through it, step by step.

Types of Auto Glass Damage Covered by Insurance

Damage Type	Covered?
Rock Chips and Small Cracks	✔️ Yes
Full Windshield Shattering	✔️ Yes
Vandalism or Break-Ins	✔️ Yes
Cosmetic Scratches	❌ Not Always
Pre-Existing Damage	❌ Not Covered

We Make Insurance Claims Easy

At Prime Auto Glass & Tint, we’re more than just a repair shop — we’re your partner when dealing with insurance claims.

Here’s how we help:

Assist with claim setup and submission
Provide fast, insurer-approved estimates
Offer mobile and in-shop repair services
Get your vehicle back on the road safely

Ready to File a Claim or Need Advice?

Whether you need a quick repair or full replacement, we’re here to help.
Let us check your insurance coverage, manage your claim, and get you booked fast.