Life in Burlington, with its tree-lined streets and lakeside charm, makes daily driving a pleasure—until something unexpected happens on the road. Whether it’s a rogue stone kicked up on the QEW or a sudden change in weather, windshield damage can strike at any time. And when it does, knowing how your insurance policy handles repairs or replacement can save you both money and stress.
If you’re dealing with a chipped or cracked windshield in Burlington, here’s everything you need to know about navigating the repair process—and understanding where insurance fits in.
Why Timely Windshield Repair Matters?
Your car’s windshield is far more than just a pane of glass. It’s a critical part of your vehicle’s safety system. It supports the roof structure, helps airbags deploy correctly, and shields you from road debris, wind, and rain.
Even a small chip can reduce visibility or grow into a larger crack over time—especially in fluctuating temperatures or after another impact. Ignoring minor damage now could mean full replacement later, which is both more expensive and time-consuming.
In short, acting early not only saves you money—it keeps you safer on the road.
Does Car Insurance Cover Windshield Damage?
Yes, in most cases—but not all. Here’s how windshield repair typically works with insurance in Ontario:
1. Check for Comprehensive Coverage
In Ontario, windshield damage is generally covered under comprehensive insurance, not the basic liability portion of your auto policy. If your coverage includes incidents like vandalism, falling objects, or weather-related damage, you’re likely covered for auto glass repair or replacement as well.
If you’re not sure what your policy includes, this is the time to check.
2. Know Your Deductible
Your deductible is the amount you pay out of pocket before your insurance kicks in. Some insurance providers waive the deductible for repairs (like fixing a small chip), but may apply it to replacements.
For example:
- A chip repair might be fully covered
- A full windshield replacement may cost you if your deductible is higher than the replacement cost
3. Repair vs. Replacement Rules
Insurance companies often prefer repairs over replacements—they’re quicker, cheaper, and maintain the original factory seal of your windshield. If your damage is minor, there’s a good chance your insurer will encourage repair instead of full replacement.
That’s another reason to act quickly—waiting could push the damage beyond the repairable stage.
4. Preferred Repair Shops
Many insurers have a list of approved or preferred glass repair shops. Choosing a provider on this list can simplify the process, sometimes even eliminating the need for an inspection or pre-approval.
Star Windshield is a trusted name in Burlington and often recommended by major insurers for both repairs and replacements. Our experience with insurance claims means we can guide you smoothly through the paperwork and process.
Steps to Take After Windshield Damage
If your windshield has just taken a hit, here’s how to move forward efficiently:
1. Inspect the Damage Right Away: Is it a minor chip? A spreading crack? If it’s smaller than a loonie and not in the driver’s line of sight, it may be eligible for a quick and affordable repair.
2. Call Your Insurance Provider: Report the damage and find out:
- What’s covered?
- Is there a deductible?
- Do you need to visit a specific repair shop?
- Can the claim be processed directly through your repair shop?
3. Choose a Certified Repair Technician: Always go with a licensed and experienced auto glass technician. A poor-quality repair can leave your windshield vulnerable to further cracking or even failure in a collision.
At Star Windshield, our certified team uses industry-standard materials and offers same-day service whenever possible. We also help communicate directly with your insurer to make the process easier.
4. Keep Records of Everything: From insurance calls to repair invoices, keep a file. If there’s ever a dispute or a follow-up required, having your paperwork ready will make it easier to resolve.
Insurance and Windshield Repairs Don’t Have to Be Complicated
Burlington drivers can rest a little easier knowing that windshield damage doesn’t have to derail their day. Understanding your insurance policy—and working with a reputable repair team—can make the process smooth, affordable, and stress-free.
Windshield repairs are not just about keeping your car looking good. They’re a vital part of staying safe on the road.
Need help now? If you’re in Burlington and need reliable, professional help with a windshield repair or replacement, contact Star Windshield at 647-509-2154. Our skilled technicians provide fast service, high-quality materials, and full support with insurance claims. Let us help you drive safely again—with a clear view ahead.
