Compare Quotes
HomeCar Insurance ResourcesAre Windshield Cracks Covered by Insurance?

A small stone that flies up and hits your windshield while you are driving can start off as a small line and can lead to a huge crack. The crack in your windshield can impair your vision while driving not to mention the structural integrity of the windshield could also be compromised. Driving with a stone chip or crack of any size is very dangerous as a kind of pressure could turn the small chip or crack into a large one. You will then be faced with the question of whether or not you should make an insurance claim to have it repaired. 

Are Windshield Cracks Covered by Insurance?


Depending on your car insurance coverage, comprehensive coverage should cover the cost of your windshield repairs. In some cases, your insurance provider may pay for the repairs on a windshield and waive your deductible. 

Is Rock Damage Covered By Insurance?

If the rock damage is repairable, it may be cheaper to pay for the repairs out of pocket. 

What Insurance Covers Windshield Replacement?

The comprehensive portion of car insurance covers windshield replacement provided glass coverage is included. 

Does Comprehensive Insurance Cover Windshield Replacement?

Yes, comprehensive insurance covers windshield replacement provided you have glass coverage. 

Does Liability Insurance Cover Windshield Replacement?

The liability portion of your car insurance covers damage done to other vehicles, not your own vehicle. 

Will My Insurance Go Up If I Get My Windshield Replaced?

Typically following your first windshield replacement claim, your car insurance will not go up. 

Should I Use Insurance To Replace My Windshield?

If the cost to replace your windshield is significantly higher than your deductible then it would make sense to make an insurance claim to replace your windshield.

How Is A Windshield Repaired?

Windshield Repair

The construction of a windshield involves a thin layer of resin or plastic placed between two layers of glass that is heated and pressurized to fuse all three pieces together. The reason there is an inner layer of plastic or resin is it prevents your windshield from shattering inwards when an object hits it. To repair a small crack or chip in the windshield a special type of resin is injected into the area where the windshield is damaged, this will stop the damage from increasing. However larger damage may result in having to have a windshield replacement. 

The Cost of Windshield Replacement 

Older vehicles that do not have any cameras or built-in sensors are much cheaper to replace than newer vehicles. Many newer vehicles have these built-in sensors and cameras which are in place to support advanced driver assistance systems like lane departure warnings and some cruise control features. Not only is the actual cost of the windshield much higher with newer vehicles but labor costs will also be higher because the vehicle will need to be recalibrated to the vehicle’s computer system to ensure these features work properly. 

Factors Which Affect The Cost Of Windshield Replacements

There are several factors that will affect the cost of windshield replacements. As stated above newer vehicles with advanced driver assistance programs will cost much more to replace than a basic windshield. The actual price of windshields varies according to the year, make, and model of the vehicle having the windshield replaced. High-end vehicles such as Mercedes and BMW windshield replacement would cost much more than lower-end vehicles such as Hyundai. It is also more expensive for a truck windshield than a car windshield, as truck windshields are much larger. 

Reputable Companies For Windshield Replacement

In Ontario, there are several companies that replace windshields. However, if you are making an insurance claim, most insurance providers will provide you with their preferred auto glass replacement companies. The most popular reputable windshield replacement companies are:

  • Apple Auto Glass
  • Speedy Auto Glass
  • Auto Glass Canada

Almost every community has smaller windshield replacement companies to service their immediate communities. 

The 10 Best Auto Windshield Repair and Replacement Companies in Toronto

  • |Apple Auto Glass
  • Auto Glass
  • Vision Glass Toronto
  • Wind Auto Glass
  • M.A. Auto Care and Glass
  • Budget Auto Glass
  • Wind Auto Glass Repair
  • Wind Auto Glass 
  • Speedy Glass
  • Manny’s Auto Trim and Glass

Mobile Windshield Replacement Companies

There are also several mobile windshield replacement companies available for your convenience. These companies come to your home or preferred location and replace your windshield on-site. For example, MRM Auto Glass Company services the following areas: 

  • Aurora
  • Bradford
  • Concord
  • Schomberg
  • East Gwillimbury
  • Barrie
  • Georgina
  • Vaughan
  • King City
  • Uxbridge
  • Maple
  • Thornhill
  • Markham
  • Stouffville
  • Newmarket
  • Richmond Hill
  • Orangeville

MRM always provides quality windshield products by installing original equipment manufacturer glass. MRM offers a lifetime warranty and does not charge any extra for its mobile service. 

RV and Motorhome Windshield Replacement

It is very common for RVs and Motorhomes to have a windshield and other window damages as these types of vehicles are often driven on highways for longer periods of time which increases the chance of windshield or window damage. The unfortunate part is the high expense that comes with replacing RV or Motorhome windshields and windows. RVs and Motorhomes are constructed with specialty windshields and windows and not every auto glass company can do RV and Motorhome windshield and window replacements. However, Speedy Auto Glass has the experience and capability to repair or replace windshields on over 800 models of RVs and Motorhomes. 

Repair or Replace A Windshield?

If you have experienced some type of windshield damage to your vehicle it is best to have your vehicle inspected by an auto glass specialist to see whether or not your windshield can be repaired or if it has to be replaced. If your windshield only requires repairs, it may be best to pay out of pocket as opposed to making an insurance claim with your insurance provider. While some insurance providers may pay for windshield repairs and waive the deductible, it is still an insurance claim and it may at some point in the future affect your insurance premium if you have other insurance claims as well. If the damage is significant and becomes a safety issue, the windshield will have to be replaced. Speak to your insurance provider to find out if you have sufficient coverage for windshield replacement.

Leave A Comment

Continue Reading