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Why Consider Filing a Windshield Insurance Claim?

If your vehicle’s windshield has been damaged by rocks, debris, or even vandalism, you may be eligible for partial or full coverage under auto glass insurance. 

Some insurance policies in Alberta can help cover costs related to windshield replacement, side or back window replacements, and even windshield repair services. While most plans in Alberta don’t include comprehensive glass coverage, it can be worth checking your policy to see what’s included. After all, unexpected damage can happen anytime, and a good window insurance policy could be useful if you have an expensive windshield.

A consequence to consider: claiming damaged glass though insurance does count as a “claim” and will usually void any benefits like “claims free discounts”. If the cost of replacing the windshield is similar to your deductible it can be much better in the long run to avoid going through insurance.

Did You Know? According to the Insurance Bureau of Canada, understanding your policy is crucial. Different insurers offer various levels of coverage and deductibles, so it’s smart to review your terms before damage occurs.

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Filing an Insurance Claim for Broken Side/Back Windows

It’s more likely that you have insurance that would cover damaged side/back glass. It still varies based on your policy, but vandalism of side and rear glass is a different category than regular front windshield damage. If you have a ‘comprehensive’ insurance plan inclusive of “13D” then your side and back windows are covered for many situations.

It can be important to use the correct wording when filing a claim in order to not be denied. Once again we recommend checking with your insurance company about what they cover. You may find that you need to describe the incident correctly and not use vague or incorrect words or the claim may be rejected. For example, most plans cover damage from certain objects but not others.

Technician wearing a Windshield Surgeons uniform working on the inside of a vehicle’s rear hatch with a shattered back window.

Steps to Filing an Auto Glass Insurance Claim

Filing a glass insurance claim doesn’t have to be complicated. Just follow these straightforward steps:

1

Contact Your Insurance Company

Start by calling your provider. Confirm that you’re eligible for a windshield replacement, repair, or other glass-related services. Ask about coverage specifics, including whether your car break in insurance covers window replacement due to rock damage, vandalism, theft, etc..

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2

Check Your Deductible

Find out the amount of your deductible. This figure determines how much you pay out of pocket before coverage kicks in.

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3

Obtain a Claim Number

Once coverage is confirmed and you inform them of your damage, your insurer will provide a claim number. Keep this handy for the next steps.

4

Book With Windshield Surgeons Auto Glass

Call us with your claim number, and we’ll schedule your replacement or repair at a convenient time. We handle the details from here, so you don’t have to worry. Normally all we’ll need after this step is your signature on the final invoice.

Expert Tip: If you’re not sure about the claims process, just give us a call or text us at 1-800-909-9923. Our team handles approvals all the time and can guide you through the steps with ease.

We Help Pay Your Deductible!

One of the biggest headaches with car glass insurance claims is the deductible. Even with coverage, you will normally still face out-of-pocket deductible cost. This is a portion that the Insurance company expects you to pay as a deterrent to making the claim. 

Windshield Surgeons Auto Glass can help ease that burden. We offer to pay some or all of your deductible— often up to $150—depending on the type of damage and your coverage specifics. This benefit helps you get back on the road with minimal financial stress.

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When Not Using Insurance Might Be Cheaper

In some cases, it might be more cost-effective to pay cash rather than filing an insurance claim—especially if your deductible is high, or if you have limited coverage. Our high-volume efficiency allows us to offer competitive pricing for windshield and window replacements. Whether you have full coverage, partial coverage, or no coverage at all, we’ll help you determine the most affordable route.

For example, if your deductible is very close to the cost of the repair, you might choose to skip the claim entirely. We’re upfront and transparent about pricing, so you’ll never be surprised by hidden costs.

Paying directly without insurance can also help preserve any ‘claim free discounts’ that you have worked toward over the years.

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Fleet Cards and Commercial Coverage

If you manage fleet vehicles, there’s a slightly different process for verifying auto glass insurance coverage. Give us a call to confirm we can work with your provider. Here’s what we will need from you:

  • VIN Number
  • Service Card
  • Mileage
  • Unit Number

Once we have this information, we’ll contact the insurance company on your behalf, submit the details, and wait for approval or denial. It’s a streamlined approach that saves you time and hassle, letting you focus on keeping your fleet running smoothly.

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WHAT’S COVERED

What if You’re Unsure About Your Coverage?

If you aren’t certain what’s included in your policy, don’t hesitate to reach out to your insurance provider. Alberta’s auto insurance basics page offers general guidance to help you understand how coverage works. You can also rely on Windshield Surgeons Auto Glass for insights—we deal with insurance claims daily and can point you in the right direction.

Why Choose Windshield Surgeons Auto Glass?

  • Family-Owned Since 1989

    Over three decades of experience in Alberta’s auto glass industry mean we know the ins and outs of insurance claims.

  • Over 2 Million Vehicles Serviced

    Our high volume of satisfied customers speaks to our quality, efficiency, and affordability.

  • Expert Technicians

    Our staff is friendly, committed, and remarkably knowledgeable, ensuring you get top-notch service every time.

  • Multiple Locations

    With stores in Edmonton, Red Deer, Calgary, and Sherwood Park, you can trust we’re never too far away.

  • Online Quotes

    Get an immediate quote and start the process whenever it’s convenient.

Conclusion

Dealing with windshield insurance claims doesn’t have to be stressful. With the right guidance, checking your coverage, confirming your car glass insurance terms, and filing a claim can be a smooth, straightforward process. Whether you need help navigating your deductible, deciding between filing a claim or paying cash, or managing fleet coverage, Windshield Surgeons Auto Glass is here to assist. Our team takes pride in helping you find the best solution—at an incredible price—so you can get back on the road safely and confidently.