Does Insurance Cover Windshield Replacement?

Regardless of how careful we are, there's always the potential for an accident on the road. Even the most minor accidents often result in some form of damage. One of the most common parts of a vehicle that we see damage is the windshield.

Windshield damage can range from a small crack to an enormous hole. As a rule of thumb, we suggest addressing windshield damage immediately, regardless of the severity.

If you've recently damaged your windshield, you likely have some questions. One of the most common questions that we get asked about windshields is: "is windshield replacement covered by insurance?".

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You can find the answer to this question and more below.

How does windshield damage occur?

There are several different ways that you can damage your windshield while driving on Canadian roads. Some typical examples include the following:

Collision

In the event of a collision with a pedestrian or other motorist, there's a high chance that you'll crack or damage your windshield.

Loose debris

Canada is full of beautiful country roads that are perfect for drivers that like to take the scenic route. However, it's worth noting that country roads are home to all sorts of debris that can damage your windshield. Some examples include:

• Stones and pebbles
• Sticks
• Litter

If you're driving behind another motorist, they may accidentally project debris at your vehicle, resulting in windshield damage.

Load not secured properly

If you've ever driven behind a dump truck or vehicle with an open bed, you've likely noticed that they often strap or tarp down their loads. Doing this minimizes the chances of something getting loose and damaging another vehicle.

Unfortunately, if you're behind a truck driver that hasn't secured their load properly, some loose materials (gravel, sand, rocks, etc.) may fly out of the bed and damage your windshield.

Cold temperatures

Although it rarely causes initial damage, cold temperatures can worsen a small chip or crack. If moisture seeps into the crack, it will harden when exposed to cold temperatures. When this happens, it expands inside the opening, causing it to grow.

With this in mind, you can see why we recommend that you keep an eye out for windshield cracks and chips during the winter months.

When will insurance cover windshield replacement for your vehicle?

This is one of the first questions you should ask yourself after damaging your windshield. However, you'll quickly find out that the answer often comes down to the context of the incident.

When your insurance company will cover a replacement

So, does insurance cover windshield replacement in Canada? Yes and no.

In most cases, your insurance provider will cover the cost of your windshield replacement. It's worth mentioning that drivers with comprehensive auto insurance have an even greater chance of getting covered.

Comprehensive auto insurance covers damage to your vehicle that isn't related to a collision.

If your windshield is drastically compromised, you may need to file a claim with your insurance company. Generally, this type of damage is covered regardless of fault determination — this is almost identical to no-fault insurance in Ontario.

When your insurance company won't cover a replacement

You may not be eligible for windshield replacement insurance if the damage results from a severe collision in which you are deemed at fault. Be sure to double-check with your insurance provider to verify what types of windshield damage your policy covers.

Cost of fixing a windshield in Canada

Several different factors will influence the cost of your windshield replacement. However, one of the most important factors is the severity of the damage.

Minor damage or crack in your windshield

If you notice a small crack or chip in your windshield, you should get in contact with a glass repair and replacement company as soon as possible. Modern glass repair and replacement companies use state-of-the-art equipment and techniques to repair windshields, allowing them to complete minor repairs in a matter of hours.

Not to mention, failing to deal with a crack or chip quickly gives the damage time to grow, leading to more costly repairs down the line.

Minor windshield repairs cost $150 or less; however, the final price will range from location to location.

Severe damage to your windshield

If your windshield is completely totalled, then you'll require a replacement. Windshield replacements are significantly more expensive than a quick touch-up. Replacing the windshield on a modern vehicle can cost around $2,500. Whatsmore, the price is increased for luxury vehicles.

However, drivers should remember that replacing your windshield through your insurance provider generally requires drivers to pay a deductible (an initial payment made before the coverage kicks in).

Does windshield damage influence your insurance rates?

Generally, no, experiencing windshield damage will not affect your insurance rates.

However, if you've made several claims (windshield-related or otherwise) in recent years, you may notice a bump in your rates. This is because your insurance provider has the choice to increase the rates of drivers that are seen as more of a risk than the run-of-the-mill Canadian driver.

How to avoid windshield damage in the future

Even though windshield damage is, at times, unavoidable, there are a handful of tips that you can use to avoid future incidents:

Drive carefully

If you want to avoid damaging your windshield (or vehicle) in the future, you should always drive as carefully as possible. Paying attention to your surroundings is one of the easiest and most important things you can do on the road. Doing this will not only help you protect yourself, but it also helps keep other motorists safe.

Avoid country roads when possible

As mentioned earlier, country roads are chock-full of debris that can chip or crack your windshield. If you'd like to minimize the chances of damaging your windshield, consider skipping the scenic route during your next road trip.

Maintain a safe distance from other vehicles

Maintaining a safe distance from commercial and load-bearing vehicles can help prevent windshield damage in the future.

The next time you're behind a large truck, we suggest keeping about 200 metres away from it. By doing this, you'll have time to react to on-coming debris or objects.