Will my windshield insurance claim affect my rates?

It’s a common occurrence out there on the road: you’re driving along, keeping a safe distance from the car ahead, and suddenly it hits the shoulder and hurls a stone at your windshield. When the sharp crack fades away, you notice a chip out of the glass, or even worse, a crack starting to spread across your field of vision. For many people, their next thoughts become about windshield insurance claim and if it will their car premiums.

Am I covered for windshield insurance claims?

Good news! If your auto insurance policy includes comprehensive coverage, your chipped or cracked windshield should be covered by your policy. Comprehensive insurance covers damage to your vehicle that isn’t caused by a collision, and includes coverage for falling or flying objects—especially stones.

If your vehicle’s insurance policy does not include comprehensive coverage, then windshield damage may only be covered if it is caused by a collision with another vehicle or object.

Windshield replacements may only cost between $160-$300 for older cars, but replacing one on a newer car could set you back as much as $2,500 on newer cars in order to incorporate all of the safety cameras that come with them these days. Fancy cars come with higher repair costs in general.

What should I do if my windshield is chipped?

If your car’s windshield is chipped, then you should go to a windshield repair company as quickly as possible—it’s still usually way cheaper to fix a windshield than to replace one, even if you don’t have the coverage on your policy.

If a chips cost a fraction of the expense of replacing the whole windshield. Glass repair technology is surprisingly effective, and the repair facilities can often repair chips that are large or strangely shaped.

Even small cracks can be repaired, but if it becomes bigger than a quarter, your windshield has a much bigger chance of getting worse. Just take this as a general guideline rather than a hard and fast rule, though!

Because the cost to repair chips is so much cheaper than the cost to replace a windshield, many insurance companies will not ask you to pay a deductible if you have this process done, eliminating your expenses here.

Does insurance cover cracked windshields?

If the chip has already turned into a crack, or the initial damage was bad enough that a crack formed immediately, you will need to file a windshield insurance claim. Windshield claims are subject to your comprehensive deductible, so there will be a cost to you to have it replaced.

If you’re part of the aha insurance family, then you can file your claim right here.

How do chipped or cracked windshields affect my premium?

The good news is that a windshield insurance claim should have little to no effect on your premium. However, if your policy currently includes a claims-free credit, you may find that it disappears upon renewal. 

Are there downsides in making windshield insurance claims?

Reporting a single windshield claim shouldn’t have any effect on your rates, assuming that your record doesn’t have many claims. However, if you have filed multiple comprehensive claims within the past few years, including windshield damage, your insurer may choose to increase your deductible.

If you have had a number of recent claims, we suggest you speak to your insurance advisor prior to filing the claim and ask their advice on whether you should proceed. You can call us too if you want a second opinion.

For most people, filing a windshield insurance claim is simple and easy. If you are able to have the damage repaired before it develops into a crack, you won’t even have to pay a deductible.

It’s a common occurrence out there on the road: you’re driving along, keeping a safe distance from the car ahead, and suddenly it hits the shoulder and hurls a stone at your windshield.

When the sharp crack fades away, you notice a chip out of the glass, or even worse, a crack starting to spread across your field of vision. For many people, their next thoughts become about windshield insurance claim and if it will their car premiums.

Am I covered for windshield insurance claims?

Good news! If your auto insurance policy includes comprehensive coverage, your chipped or cracked windshield should be covered by your policy. Comprehensive insurance covers damage to your vehicle that isn’t caused by a collision, and includes coverage for falling or flying objects—especially stones.

If your vehicle’s insurance policy does not include comprehensive coverage, then windshield damage may only be covered if it is caused by a collision with another vehicle or object.

Windshield replacements may only cost between $160-$300 for older cars, but replacing one on a newer car could set you back as much as $2,500 on newer cars in order to incorporate all of the safety cameras that come with them these days. Fancy cars come with higher repair costs in general.

What should I do if my windshield is chipped?

If your car’s windshield is chipped, then you should go to a windshield repair company as quickly as possible—it’s still usually way cheaper to fix a windshield than to replace one, even if you don’t have the coverage on your policy.

If a chips cost a fraction of the expense of replacing the whole windshield. Glass repair technology is surprisingly effective, and the repair facilities can often repair chips that are large or strangely shaped.

Even small cracks can be repaired, but if it becomes bigger than a quarter, your windshield has a much bigger chance of getting worse. Just take this as a general guideline rather than a hard and fast rule, though!

Because the cost to repair chips is so much cheaper than the cost to replace a windshield, many insurance companies will not ask you to pay a deductible if you have this process done, eliminating your expenses here.

Does insurance cover cracked windshields?

If the chip has already turned into a crack, or the initial damage was bad enough that a crack formed immediately, you will need to file a windshield insurance claim. Windshield claims are subject to your comprehensive deductible, so there will be a cost to you to have it replaced.

If you’re part of the aha insurance family, then you can file your claim right here.

How do chipped or cracked windshields affect my premium?

The good news is that a windshield insurance claim should have little to no effect on your premium. However, if your policy currently includes a claims-free credit, you may find that it disappears upon renewal. 

Are there downsides in making windshield insurance claims?

Reporting a single windshield claim shouldn’t have any effect on your rates, assuming that your record doesn’t have many claims. However, if you have filed multiple comprehensive claims within the past few years, including windshield damage, your insurer may choose to increase your deductible.

If you have had a number of recent claims, we suggest you speak to your insurance advisor prior to filing the claim and ask their advice on whether you should proceed. You can call us too if you want a second opinion.

For most people, filing a windshield insurance claim is simple and easy. If you are able to have the damage repaired before it develops into a crack, you won’t even have to pay a deductible.

Seriously, what else can you do in 3 minutes?

Boil half an egg?

You might like these posts, too.

What you should know about Ontario’s Drive Clean test

What you should know about Ontario’s Drive Clean test

Air pollution is a point of ongoing environmental concern in Canada. Ontario’s air quality is constantly being monitored, and while there is always room for improvement, Ontarians generally enjoy lower levels of air pollution than many other parts of the world. The...

read more
Safety tips for driving in the heavy fog

Safety tips for driving in the heavy fog

Nova Scotia has more foggy days than anywhere else in Canada, but we still get some doozies in Ontario, too (we’re looking at you, Great Lakes). You still need to be prepared to drive in heavy fog even if it only happens every once in a while. The Ontario Ministry of...

read more
Insurance myths that need to be debunked

Insurance myths that need to be debunked

Home and auto insurance are complicated subjects. There are a lot of difficult words and phrases tossed around that makes it appear that people know what they are talking about. Many falsehoods that are passed around as fact that just don't apply to Ontario's market....

read more

How are we doing?

How are we doing?