Does Insurance Cover Windshield Damage?
Coverage depends entirely on your policy — here's what to check before you call your insurer.
4 min read · Updated January 5, 2026
There's no universal answer
Whether windshield damage is covered — and whether you'll owe a deductible — depends entirely on your specific policy and insurer. Comprehensive coverage often includes glass damage, but terms vary widely by province, insurer, and individual plan.
What to check on your policy
Look for comprehensive coverage (sometimes called "other than collision"), and check whether your policy has a separate glass deductible, which is sometimes lower than your standard deductible. Some policies include full glass coverage with no deductible; others don't include glass coverage at all.
What we can help with
We can help you understand what documentation is typically needed for a glass claim and provide an itemized quote your insurer can review. We won't tell you your damage is covered — that determination belongs to your insurer — but we'll make the process as straightforward as possible.