Cracks, chips, and shattered windows are more than an inconvenience—they’re a safety risk. But before you pull out your wallet, you might be surprised to learn that your car insurance could cover the entire cost of your auto glass repair or replacement.
At RAM Auto Glass, we regularly work with drivers across Vaughan, Mississauga, and Toronto whose comprehensive insurance takes care of windshield and window damage. Here’s how it works—and how to find out if you’re covered.
Comprehensive Coverage: The Key to Glass Repair
Windshield and window glass claims are typically handled under your comprehensive insurance—not your basic liability or collision coverage. Comprehensive covers non-collision damage such as:
- Stone chips and road debris
- Vandalism or theft-related glass damage
- Fallen branches or weather damage
According to the Financial Services Regulatory Authority of Ontario (FSRA), comprehensive insurance is optional—but many Ontario drivers have it, especially if their car is leased or financed.
Will It Cost You Anything?
Many policies cover repairs with no deductible. If your windshield has a small chip or crack that qualifies for a resin repair, it’s often covered 100%. For full glass replacements, your deductible may apply—typically between $250 and $500.
The good news? RAM Auto Glass can help you understand your coverage, guide you through the claims process, and often bill your insurance provider directly.
Do Claims Affect Your Premium?
Most insurers in Ontario do not raise your premium for a glass-only claim, especially if it’s your first. But this can vary depending on your provider and claim history. We always recommend speaking with your broker or reviewing your policy first.
Organizations like the CAA note that glass repair claims are among the most common auto insurance filings—and most are processed quickly with minimal paperwork.
How to File a Glass Claim
- Check your policy to confirm comprehensive coverage.
- Call your insurance provider or broker to report the damage.
- Book a mobile appointment with RAM Auto Glass—we’ll handle the documentation.
- Our team will perform the repair or replacement and provide your insurer with the required invoice.
Want to skip the phone call? Visit our FAQ page where we answer common insurance questions and outline how the claims process works for glass-only repairs.
Which Glass Services Are Covered?
Comprehensive insurance may cover all types of auto glass:
- Front windshield
- Rear/back windshield
- Side windows and door glass
- Sunroof or moonroof glass
Whether you’re parked downtown and return to find a broken window, or get hit by gravel on the highway, your policy might already have you covered—and RAM Auto Glass is ready to help on-site.
Peace of Mind With Every Repair
We work with most major insurance providers in Ontario and provide detailed receipts for claims processing. More importantly, every job we do is backed by a workmanship warranty and hundreds of real customer testimonials.
Related Reading
- OEM vs Aftermarket Auto Glass: What’s the Difference?
- What to Expect From a Mobile Auto Glass Repair Service
- Auto Glass Repair vs Replacement: How to Decide
Covered or Not—We Make It Easy
Not sure if you’re covered? No problem. RAM Auto Glass offers free mobile assessments across Vaughan, Richmond Hill, Aurora, and the GTA. We’ll confirm the type of repair needed and help guide you through your options.
Call us today at (647) 777-7080 or book online to start your claim and get your glass fixed—fast and stress-free.