Insurance Claims for Windshields: What You Need to Know Before Repairing Your Auto Glass

Though windshields are designed to be strong and durable, rocks, debris and other external elements can cause damage to your auto glass and compromise your safety on the road. For that reason, having your vehicle repaired promptly is fundamental. However, how can drivers have their windshield repaired under their insurance policy? What type of damage is generally covered and how can you file a claim? Let’s look into it.

ICBC Windshield Replacement Coverage – Understanding

Comprehensive and Basic Options

When it comes to windshield repair and replacement, the type of damage significantly affects your coverage with ICBC. If you have comprehensive insurance, ICBC generally covers the repair costs for damages caused by road debris, weather, external elements, and vandalism. However, if you have basic insurance, ICBC typically covers only collision-related damages.

For those who have comprehensive insurance, ICBC often covers the cost of minor windshield repairs, such as cracks and chips without requiring a deductible. In such cases, free windshield repair is included when:

·       The damage is smaller than a loonie

·       There’s no residual damage greater than ¼ inches in the driver's line of vision.

·       The damage to be fixed is not a long crack

·       There are no long cracks or other pre-existing damage that don’t qualify for a repair

What Insurance Won’t Cover

In most cases, ICBC won’t cover:

·       Damage resulted from neglect, such as failing to address an untreated crack that spreads.

·       Damage that occurred to the windshield or auto glass before the policy started

·       Windshield replacements or repairs that are performed with unauthorized repair shops.

How to File a Claim for Auto Glass Repairs

·       Assess the Damage

The first thing to do before filing a claim is to assess the magnitude of the damage and the nature of the incident. This is important as small repairs such as cracks and chips may be repaired for free, while full replacements will likely require you to pay a deductible.

·       Contact ICBC or an Approved Repair Shop

You can choose to either contact ICBC or an authorized repair shop first.  ICBC auto glass repair shops are familiar with the process of filing a claim and can provide you with the necessary guidance for a stress-free process. However, you also have the option of filing your claim directly with ICBC online or by phone.

·       Pay Your Deductible.

For complex repairs or full windshield replacements, you will need to pay a deductible. This is not required for small chips and cracks provided you have comprehensive coverage.

 

Your Choice for Windshield Repairs and Replacements

Looking for auto glass replacement services for your vehicle? Need experienced professionals to help you repair your windshield? We are here to help. All-West Glass provides efficient auto-glass solutions in a wide range of locations, including Prince George, Prince Ruppert, Smithers, Edmonton, Grande Prairie and more. Don’t wait for small chips to become longer cracks. Let us help you keep your windshield in optimal condition so that you can drive safely and without concerns in Canada. Reach out to us.