Dealing with a damaged windshield can be frustrating, but understanding your auto insurance coverage can make the repair or replacement process much easier. At Bolt Auto Glass, we’re here to simplify the process by explaining what your auto insurance policy covers and how it can help pay for your windshield repair or replacement.
What’s covered by auto glass insurance?
In most cases, auto insurance will cover windshield repairs and replacements, but the specifics depend on your policy. Here’s what you can typically expect:
1. Windshield Repair:
- Small Chips or Cracks: If you have a minor chip or crack in your windshield, it’s usually covered by comprehensive insurance. Many policies even offer free or low-cost repairs for small damage.
2. Full Windshield Replacement:
- When a crack is too large or in a critical area (like the driver’s line of sight), full replacement may be necessary. Comprehensive insurance generally covers the cost of a new windshield, minus any applicable deductible.
3. Side or Rear Window Replacement:
- If side or rear windows are cracked, shattered, or broken, comprehensive insurance usually covers the cost of replacement.
4. ADAS/LDWS Camera Recalibration:
- Advanced Driver Assistance Systems (ADAS) and Lane Departure Warning Systems (LDWS) require recalibration after a windshield replacement. These systems are common in newer vehicles and typically covered by your policy as part of the windshield replacement process.
Types of insurance coverage for windshield repair
The type of coverage you have will determine how your windshield damage is covered. Let’s break down the most relevant types of insurance coverage for auto glass:
1. Comprehensive Coverage
- What It Covers: Damage caused by non-collision events, such as rocks, storms, or vandalism. This is the most common and often the best coverage for windshield damage.
- When It Applies: Comprehensive coverage will typically cover small chips or cracks, as well as full windshield replacements, without the need for a deductible.
2. Collision Coverage
- What It Covers: Damage that occurs from an accident, including windshield damage caused during a collision.
- When It Applies: If your windshield is damaged during a car crash, collision coverage can help pay for repairs, though you may be required to pay a deductible.
3. Liability Coverage
- What It Covers: This coverage helps pay for damage you cause to others’ property or in accidents where you’re at fault.
- When It Applies: Liability coverage generally does not cover windshield damage because it’s meant for covering damage to other people’s property, not your own.
What to expect in terms of deductibles
Depending on your insurance policy, you might have to pay a deductible when getting your windshield repaired or replaced. However, many providers offer assistance in this area:
1. Full Coverage with No Deductible:
- Some policies may cover the full cost of windshield repair or replacement with no deductible. If you’re lucky enough to have this type of coverage, you won’t need to pay anything out-of-pocket.
2. Windshield Repair Deductible:
- In some cases, you’ll be required to pay a deductible, especially if the damage is more significant or involves a replacement. However, we offer deductible assistance at Bolt Auto Glass to help cover part or all of this cost.
How Bolt Auto Glass makes the claims process easy
At Bolt Auto Glass, we want to make the auto glass insurance claim process as hassle-free as possible. Here’s how we do it:
1. We handle the paperwork
We work directly with your insurance provider, taking care of the paperwork and handling all communication with your adjuster. Our goal is to ensure the process is smooth and fast.
2. Direct billing & deductible assistance
We offer direct billing to your insurance provider, so you don’t have to pay upfront and wait for reimbursement. If your policy includes a deductible, we can help you cover up to 100% of it—just ask when booking your service.
Why choose Bolt Auto Glass?
At Bolt Auto Glass, we offer fast, reliable, and hassle-free auto glass repair and replacement services. With over 15 years of trusted experience, we provide OEM-quality materials, certified technicians, and same-day repairs at no extra cost. Our fully mobile service comes to you, saving you time and stress—whether you’re in Mississauga, Brampton, Etobicoke, Toronto, & across the GTA.
We back our work with 100% guaranteed results, including a 2-year warranty on windshield leaks and lifetime warranty on ADAS/LDWS recalibration. Plus, our team handles all the paperwork, including insurance claims and deductible coverage, so you don’t have to.
Choose us for efficient chip repairs in under 30 minutes, no hidden costs, and a customer-centric experience that ensures you’re always satisfied. With 500+ happy clients and a community-first approach, we’re your trusted choice for all auto glass needs.
Get your windshield repaired or replaced today!
Don’t let a cracked or damaged windshield slow you down! At Bolt Auto Glass, we make the insurance claims process easy and hassle-free, so you can get back on the road faster. Whether it’s a minor repair or a full replacement, we’re here to help!
Call us now at 905-909-8877 or book your appointment today!
