We break down what’s actually included in most Ontario auto policies—and how to find out before you pay out of pocket.
Why Glass Coverage Confuses So Many Ontario Drivers
You notice a crack on your windshield. It’s not huge, but it’s there—and spreading. Your first thought? Is this covered by insurance? If you’ve ever asked that question, you’re far from alone.
In Ontario, glass damage coverage often falls into a grey area for everyday drivers. Most policies include it somewhere, but the fine print can be tricky. Between deductibles, policy types, and fears of premium increases, many people delay repairs—or pay out of pocket when they don’t have to.
This article will help you:
- Understand what your insurance policy really covers
- Know when it makes sense to file a claim
- Make confident, cost-effective repair decisions
- Discover how Auto Glass Legend makes the process stress-free
The Basics: How Auto Glass Coverage Works in Ontario
Not all car insurance policies automatically cover glass damage. The most relevant part of your policy is called comprehensive coverage. This optional (but often included) part protects you from non-collision damage—like theft, vandalism, fire, and yes, glass damage from flying debris or sudden temperature changes.
If you don’t have comprehensive coverage, you’ll likely be paying the full cost of repairs yourself.
Here’s what’s typically covered under comprehensive:
- Windshield repairs or replacements
- Side and rear window damage
- Sunroof or moonroof cracks
- Stone chips or impact fractures
The key factor is whether the damage occurred under “covered perils,” which usually includes most natural causes, accidents, or road hazards.
The Deductible Dilemma: Should You File a Claim?
Even if your insurance covers the damage, there’s one thing that still stands in your way: the deductible.
A deductible is the amount you agree to pay before your insurance kicks in. In Ontario, deductibles for comprehensive coverage typically range from $250 to $1000.
Here’s the math most drivers are doing in their head:
- Windshield repair = $80–$150
- Windshield replacement = $300–$500 (on average)
- Deductible = $500?
If the cost to fix your glass is less than your deductible, insurance won’t cover it—and there’s no reason to file a claim.
But here’s where Auto Glass Legend comes in: We review your policy with you and help determine if your repair qualifies. No upsell. No guesswork. Just the facts
What About Your Premium? Will It Go Up?
This is a big concern—and a common reason drivers hold off on repairs.
The good news? In Ontario, filing a comprehensive claim for auto glass damage usually does not affect your premium. Insurance companies typically reserve rate increases for at-fault collision claims.
Still, every insurer is a little different. Some may consider frequent claims, even minor ones, when renewing your policy.
That’s why we help our customers navigate the entire process:
- We review your policy with you
- We explain whether filing is worth it
- We help submit claims directly (if it makes sense)
- You stay informed—and in control.
Repair vs. Replacement: What You Need to Know
A small chip on your windshield might only cost a few bucks to fix. A growing crack across your field of vision? That’s a different story.
Here’s a quick breakdown to help guide your next move:
Repairable Glass Damage
- Chips smaller than a quarter
- Cracks under 6 inches long
- Damage not in the driver’s line of sight
- No spreading or branching cracks
Replacement Required
- Cracks reaching the edge of the glass
- Spider-webbing or multiple impact points
- Any damage compromising driver visibility
- Advanced Driver Assistance Systems (ADAS) sensors affected
At Auto Glass Legend, we always inspect first to see if a repair will do the job. We don’t push replacements unless it’s absolutely necessary—and we’ll help you weigh the cost against your coverage options.
So... Is It Covered? Here's How to Find Out
If you’re not sure what your insurance includes, you’re not alone. Many people only find out the details after they’ve filed a claim—or paid out of pocket.
Here’s what to do now:
- Check your insurance documents
Look for “Comprehensive” under your coverage breakdown. - Call your broker or provider
Ask specifically: “Is glass damage included in my comprehensive coverage?” - Ask if there’s a deductible for glass
Some policies waive it, especially for repairs rather than replacements. - Let Auto Glass Legend help you figure it out
We work with most major insurers in Ontario, and we’ll walk you through the process from damage assessment to final billing.
No stress. No surprises. Just honest answers.
Why Auto Glass Legend Makes the Process So Much Easier
Most people avoid dealing with glass damage because they’re dreading the process: insurance forms, phone calls, shop visits, time off work.
We eliminate that entirely.
What You Get With Us:
- Mobile service anywhere in Southern Ontario
We come to your home, work, or even roadside. - Same-day appointments available
If it’s urgent, we’ll get it done fast.
Insurance coordination handled for you
We deal with your provider directly and simplify your paperwork. - Certified technicians and lifetime warranty
Quality work, guaranteed.
From Mississauga to Guelph, Vaughan to St. Catharines, we help people get their glass fixed—without having to guess, wait, or worry.
What Does It Cost If You’re Paying Yourself?
Here’s what drivers typically pay in Ontario without insurance:
Service | Price Range |
Chip or crack repair | $80–$150 |
Windshield replacement | $300–$600+ |
Rear/side window replacement | $250–$500 |
Sunroof replacement | $400–$1000+ |
The good news? We’ll give you an honest quote up front, and we’ll still check if your insurer will cover part—or all—of it. No pushy sales. Just help.
Real Reviews From Drivers Like You
“I called at 9 PM about a chip in my windshield. They were at my workplace the next morning. Fast and professional!”
— Sarah Iordanova
“They replaced my windshield in under an hour—at my home! Insurance was billed directly. Couldn’t be easier.”
— Cassandra Hebert
“Richie came after hours and fixed my glass quickly and for a great price. Communication was great from start to finish.”
— Edison Young
We’ve helped thousands of drivers avoid high costs, skip the hassle, and drive safer—and we’d be happy to help you next.
Service Areas: We're Already in Your Neighborhood
We serve drivers across: Mississauga, Vaughan, Etobicoke, Georgetown, Acton, Halton Hills, Milton, Oakville, Burlington, Hamilton, Stoney Creek, Grimsby, St. Catharines, Smithville, Binbrook, Mount Hope, Dundas, Ancaster, Puslinch, Cambridge, and Guelph.
If you’re in the area, we’re on the road nearby—book now and we’ll come to you.
Need Glass Damage Help? Let’s Talk.
Still unsure if your insurance covers it? Not sure if it’s a repair or replacement? Just send us a photo or give us a call—we’ll help you sort it all out in minutes.
Call Auto Glass Legend Today for a Fast, Honest Quote
We’ll explain your coverage, check your deductible, and get the job done—wherever you are.
📞 905-333-9909 / 416-839-7804
📧 autoglasslegend@gmail.com
📍 850 Legion Road, Unit 13, Burlington, ON, L7S1T5
🌐 autoglasslegend.ca
