Is Windshield Replacement Covered by Insurance in Calgary?

Windshield damage can happen unexpectedly, leaving Calgary drivers wondering if their insurance policy will cover the cost of replacement. Understanding the details of insurance coverage for windshield replacement can save you money and ensure your vehicle remains safe. Here’s what you need to know.

Types of Insurance Coverage for Windshield Replacement

1. Comprehensive Insurance

Comprehensive auto insurance typically covers windshield damage caused by:

• Rocks or debris

• Hail or severe weather

• Vandalism or theft

This coverage usually includes both repairs and full replacements, depending on the extent of the damage.

2. Glass Coverage Add-On

Some insurance policies offer additional glass coverage as an optional add-on. This can:

• Lower or eliminate deductibles for windshield replacement

• Cover repairs and replacements more comprehensively

Check with your insurer to see if this add-on is available and beneficial for your needs.

3. Liability-Only Insurance

If you have liability-only insurance, windshield replacement is not covered. This type of policy focuses on damages to others and their property, not your own vehicle.

Factors Affecting Insurance Coverage

1. Deductibles

Most comprehensive policies have a deductible. If the cost of replacement is lower than your deductible, you’ll need to pay out of pocket. However, some policies waive the deductible for windshield repairs or replacements.

2. Policy Limits

Check your policy for limits on glass coverage. Some policies may only cover a portion of the replacement cost or set a cap on claims.

3. Claim Frequency

Frequent claims for windshield damage might increase your premiums. Consider paying out of pocket for minor repairs to avoid premium hikes.

How to File an Insurance Claim for Windshield Replacement

Step 1: Document the Damage

Take clear photos of the damaged windshield and note the date and circumstances of the incident. This information will help when filing your claim.

Step 2: Contact Your Insurance Provider

Reach out to your insurer to confirm your coverage and deductible. They will guide you through the claim process and recommend approved service providers in Calgary.

Step 3: Choose a Trusted Service Provider

Select a reputable provider like Stealth Windshield Repair. Many Calgary-based services offer direct billing to insurance companies, simplifying the process for you.

Step 4: Complete the Repair or Replacement

Once approved, schedule your windshield replacement or repair. Keep all receipts and documentation for your records.

Benefits of Insurance-Covered Windshield Replacement

1. Reduced Out-of-Pocket Costs

Insurance coverage minimizes the financial burden of unexpected windshield damage.

2. High-Quality Repairs

Approved service providers often use premium materials and certified technicians, ensuring long-lasting results.

3. Peace of Mind

Knowing your insurance covers windshield replacement provides reassurance, especially in Calgary’s challenging weather and road conditions.

Conclusion

Windshield replacement in Calgary is often covered by comprehensive insurance or glass add-ons, but it’s essential to understand your policy’s details. By choosing a reliable provider like Stealth Windshield Repair, you can ensure a smooth claims process and high-quality service. Protect your vehicle and finances by staying informed about your insurance options for windshield replacement.