In Ontario, windshield damage is usually covered under the comprehensive or all-perils section of your auto insurance policy. This means a chip or crack caused by road debris, weather or vandalism may be covered even if you were not in a collision.
Many insurers treat comprehensive glass claims separately from at-fault accident claims, so a windshield repair often has no impact on your premiums or deductible. However, every policy is different, so it's worth confirming with your provider.
At Auto Glass Plus, we regularly work with insurance companies and can help you understand the process. We document the damage, provide the paperwork and complete the repair or replacement to insurer standards.
If you have questions about your coverage, call us before you call your insurance company. We'll point you in the right direction.