Dealing with auto glass damage is stressful enough. Add insurance paperwork to the mix, and it gets even more frustrating. That’s why RAM Auto Glass takes the hassle out of the process—we handle the insurance side so you can focus on getting back on the road.
Whether your windshield is chipped, cracked, or shattered, most comprehensive insurance policies in Ontario cover auto glass repair or replacement. We work directly with your provider to process your claim, saving you time and eliminating guesswork.
1. We Confirm Your Coverage Upfront
Not sure if your glass damage is covered? Just call us or book online. We’ll ask you a few simple questions and contact your insurance provider on your behalf to confirm your coverage, deductible, and claim process.
Most comprehensive policies in Ontario include glass coverage—even with no deductible for chip repairs. We’ll make sure you know exactly what’s covered before work begins.
2. We Bill the Insurance Company Directly
Forget calling multiple agents or submitting receipts—we do it all for you. RAM Auto Glass is approved to work with most major insurers in Ontario, including:
- Intact
- Aviva
- Belairdirect
- TD Insurance
- CAA
- Desjardins
- Allstate and more
We send your claim, invoices, and installation documentation straight to your provider. In most cases, you don’t pay anything out of pocket—or only your deductible if one applies.
3. We Help You Avoid Premium Increases
Worried about your rates going up? According to FSRAO (Ontario’s insurance regulator), glass-only claims typically don’t affect your premiums. We’ll help you file your claim correctly and clarify what impact (if any) it may have.
4. You Don’t Need to Wait for Approval
In most cases, we don’t need to delay your repair or replacement while waiting for a claim to be finalized. Once we confirm eligibility, we can often start the work the same day.
This is especially important when you have a cracked windshield or broken door glass that affects your safety or ability to drive.
5. We Handle Glass-Specific Claim Details
Auto glass claims can be tricky—especially for sunroofs, side windows, or vehicles with ADAS (Advanced Driver Assistance Systems). We help explain the repair vs. replace threshold, OEM vs. aftermarket options, and recalibration costs if needed.
Everything is documented, submitted, and processed by our team—no back-and-forth with your insurer.
6. We Guarantee the Work
Insurance companies may recommend a “preferred vendor,” but you have the right to choose your provider. Choosing RAM Auto Glass means your work is backed by a written warranty and done by certified technicians—with no compromise on quality.
FAQs We Commonly Handle for Customers
- Do I need to call my insurer first? (No—we’ll do it for you.)
- What’s my deductible? (We confirm that for you.)
- Will this raise my rates? (Usually not—glass-only claims rarely do.)
- Can I choose RAM instead of their shop? (Yes. You always have the right to choose.)
Related Reading
- Why Your Car Insurance May Cover Auto Glass Repairs
- Auto Glass Repair vs Replacement: How to Decide
- Does a Small Windshield Chip Always Require Repair?
Let Us Handle the Paperwork—You Just Drive
Skip the insurance phone calls, claim forms, and back-and-forth. RAM Auto Glass takes care of the entire process so you don’t have to. From quote to claim to installation, we make your auto glass repair easy, affordable, and hassle-free.
Call (647) 777-7080 or book online to schedule your mobile service. We’ll take care of the rest.