When your windshield gets chipped, cracked, or shattered, one of the first questions is: Will my insurance cover this? If you’re dealing with auto glass damage in Ottawa, understanding your coverage can save you time, money, and stress.
In this blog, we’ll walk you through what you need to know about filing an auto glass insurance claim in Ottawa — including deductibles, how the process works, and how we make it easy for you at Auto Glass Ottawa.
Understanding your auto insurance coverage
Most comprehensive auto insurance policies in Ontario include coverage for windshield damage — but it depends on your policy type. If you only carry liability insurance, you’ll likely pay the full cost yourself. However, comprehensive coverage usually covers theft, vandalism, falling objects, and glass damage like windshields.
What’s important is to check if your policy includes glass coverage and what your deductible is. Some insurers offer optional glass coverage with a low or no deductible, while others may have a deductible close to or even exceeding the repair cost.
We recommend reviewing your policy or calling your insurance provider to confirm your coverage. If you’re unsure how to interpret your policy, just call us at 613-234-9111 and we’ll guide you through what to look for.
What’s the deal with deductibles?
Your deductible is what you pay out of pocket before insurance covers the rest. For example, if your deductible is $500 and the windshield replacement costs $400, it might not be worth filing a claim. But if your deductible is $100 or you have full glass coverage with no deductible, your insurance may cover the entire repair or replacement.
Many insurers let you choose your deductible amount when setting up your policy. If you don’t know yours, ask your insurance provider — or reach out to us. We work directly with most major insurers and can help determine if your deductible applies and how much it will be.
Filing an Auto Glass Insurance Claim in Ottawa
Filing a claim might seem complicated, but it doesn’t have to be — especially when you work with us. We help customers file auto glass insurance claims every day.
Here’s how it works:
- Call us at 613-234-9111 or book your appointment
- We ask a few quick questions about your insurance provider and policy.
- If you want, we handle the claim directly with your insurer on your behalf.
- Once approved, we schedule your repair or replacement — often the same day.
Our goal is to take the hassle off your hands, so you can get back on the road quickly and safely.
When is repair better than replacement?
Not all windshield damage requires a full replacement. Small chips and minor cracks can often be repaired quickly and affordably. Most insurance companies cover repairs with little or no deductible, making it a great option to save time and money.
Our skilled technicians will assess the damage and repair your windshield on the spot if possible — no need to wait for a full replacement.
Why choose Auto Glass Ottawa?
We understand windshield damage is a hassle, so we do everything to make your experience easy, fast, and stress-free. Whether you need a quick windshield repair in Ottawa or a full windshield replacement in Ottawa, we’ve got you covered.
Here’s what you can expect from us:
- Direct billing with most insurance providers
- Help filing your auto glass insurance claim
- Same-day service in many cases
- Mobile service for your convenience
- Experienced, skilled technicians
Got questions or ready to book? Call us today at 613-234-9111 or book your appointment today. We’re here to help you stay safe on the road.