For Calgary drivers, dealing with windshield damage is an inevitable part of car ownership. Whether it’s from debris kicked up on the road, hailstorms, or temperature fluctuations that cause cracks to expand, a damaged windshield can compromise both safety and visibility. Fortunately, many Calgary residents have windshield replacement coverage through their insurance. But how does windshield replacement work with your insurance policy? This complete guide will help you understand the process and make sure you get the coverage you need for windshield replacement in Calgary.

1. Understanding Your Insurance Coverage for Windshield Replacement

In Calgary, most drivers have car insurance, but not all policies are the same. The type of coverage you have will determine how much you pay out-of-pocket for windshield replacement. The two main types of coverage that can apply to windshield replacement are comprehensive coverage and collision coverage.

• Comprehensive Coverage: This coverage typically covers damage to your windshield caused by external factors, such as road debris, vandalism, or weather events like hailstorms. In Calgary, where hail is a common occurrence, comprehensive coverage is often the most relevant when it comes to replacing a damaged windshield.
• Collision Coverage: If your windshield is damaged as a result of a collision, your collision insurance may cover the cost of repair or replacement. This is particularly useful if you’re involved in an accident that results in damage to your windshield or other parts of your vehicle.

It’s important to check your individual policy to see whether windshield replacement is included in your comprehensive or collision coverage. If you only have basic liability insurance, it may not cover windshield replacement at all, and you may need to add additional coverage to your policy.

2. Does My Insurance Cover Windshield Repair or Replacement?

Many Calgary drivers may wonder whether their insurance covers windshield repair or full replacement. The answer depends on the extent of the damage and the terms of your insurance policy.

• Windshield Repair: If your windshield has only minor chips or cracks (typically smaller than a toonie), many insurance companies will cover the cost of a repair, often without requiring a deductible. Since repairs are less expensive than a full replacement, many insurers prefer to repair rather than replace, if possible. In many cases, your insurer may even offer mobile repair services, where technicians come to you to fix the damage on the spot.
• Windshield Replacement: If the damage is extensive, such as large cracks or chips in the driver’s line of sight, a full windshield replacement may be necessary. In this case, your insurance may cover the full cost of the replacement, minus your deductible. However, the cost of replacement can vary depending on the make and model of your vehicle, the type of glass required, and whether OEM (Original Equipment Manufacturer) or aftermarket glass is used.

It’s important to note that some insurance policies may provide coverage for both repairs and replacements with no deductible if the windshield is repaired within a certain timeframe. Always check your insurance provider’s policy terms to see what’s covered and whether you need to meet specific conditions for coverage.

3. Windshield Deductibles and How They Work

The deductible is the amount you pay out-of-pocket before your insurance coverage kicks in. If your windshield requires a full replacement, you’ll need to pay your deductible, and the insurance will cover the rest of the cost.

In Calgary, many insurance policies offer a zero deductible for windshield repairs, meaning that you don’t pay anything out-of-pocket for minor repairs. However, for replacement, the deductible can vary, typically ranging from $200 to $500, depending on your insurer and the details of your policy.

Some insurance companies offer no-fault coverage for windshield repairs and replacements, which means that if your windshield is damaged, you can file a claim regardless of who was at fault, and your insurance will cover the costs without affecting your premiums. However, for replacement, your deductible will still apply.

If your windshield damage is small and repairable, you may want to file a claim for a repair instead of a replacement, as this can help you avoid paying a deductible. Keep in mind that some insurance policies have specific clauses regarding windshield damage, so it’s always a good idea to review your coverage before making a claim.

4. Choosing Between Repair and Replacement: Impact on Insurance Premiums

One of the common concerns drivers have when filing an insurance claim for windshield damage is whether it will affect their premiums. In Calgary, the good news is that insurance companies generally do not raise premiums for windshield repairs, particularly if it’s a small chip or crack that can be fixed without replacement.

However, if you file a claim for a full windshield replacement, it’s possible that your premiums could increase—especially if it’s a frequent occurrence. If you have a history of filing claims for windshield damage, your insurer may consider you a higher risk and adjust your premiums accordingly.

In Calgary, many insurance policies also offer glass breakage coverage as part of comprehensive coverage, which can be added for a nominal cost. This specialized coverage is designed specifically for damage to windows, mirrors, and windshields and may not affect your rates in the same way a collision claim might.

5. How to File a Windshield Replacement Claim in Calgary

If you need to file a claim for windshield repair or replacement, the process is generally straightforward:

• Contact Your Insurance Company: Call your insurer’s claims department to report the damage and provide the necessary details. Many insurance companies offer 24/7 claims services, and some even have apps that allow you to file claims directly from your phone.
• Assess the Damage: Your insurer may require photos of the damage or have you take your vehicle to an approved repair shop for an assessment. Some insurance companies also allow mobile windshield repair services to inspect and repair the damage on-site.
• Get an Estimate: Once your insurer reviews the damage, they will typically provide an estimate of the repair or replacement cost. If a full replacement is necessary, they will guide you through the process and let you know whether you need to pay your deductible upfront.
• Choose a Repair Shop: You may be given a list of preferred auto glass repair shops, or you can choose one yourself. Many Calgary auto glass companies work directly with insurers, streamlining the claims process for you.
• Pay Your Deductible: If your deductible applies to the replacement, you will need to pay it when you drop off your vehicle or have the windshield replaced at the service center.

6. Why Choose a Trusted Auto Glass Shop in Calgary?

Once your claim is approved, it’s important to choose a reputable auto glass service for the replacement. Calgary has many options, but quality varies. Look for an auto glass provider that offers high-quality OEM (Original Equipment Manufacturer) glass, professional installation, and a warranty on their work.

Some benefits of choosing a trusted auto glass provider in Calgary include:

• Certified Technicians: Experienced technicians ensure that the installation meets safety standards.
• Fast Service: Many providers offer same-day or mobile windshield replacement services.
• Quality Materials: Using top-quality glass ensures better clarity and durability.
• Warranty: Many services offer warranties on their replacements, giving you peace of mind.

Conclusion

Windshield replacement and insurance in Calgary are closely linked, with insurance coverage helping to minimize the financial burden of a damaged windshield. Whether your windshield needs a simple repair or a full replacement, understanding how your insurance policy works can help you make informed decisions and avoid unnecessary expenses.

Make sure you review your insurance policy regularly, especially to ensure that you have comprehensive or glass coverage, which can save you a lot of money in the long run. With the right coverage and timely action, Calgary drivers can drive with confidence, knowing their windshield is in top condition.