What to do when your car window is broken

What to do when your car window is broken

Need to fix a smashed, cracked, or just plain broken windshield? Here are some simple steps to help assure the job is done correctly.

Whether’s it’s just a crack, or full-on shattered, a broken car window needs to be fixed. Here are a few quick tips on how to do just that.

1. Contact your insurance company

Insurance coverage changes from province to province, so you need to contact the company that covers your comprehensive insurance coverage.

“Comprehensive coverage” is the insurance that covers loss or damage to your car caused by fire, theft, weather, mischief, acts of God, or vandalism and does not include loss by collision or upset. There is also usually a deductible.

2. Decide how you will cover the cost

This is where you have to decide whether to pay the deductible, or just pay for the window out of pocket. Usually, replacing an entire windshield is substantially more than the deductible (ranging from $100 to $500) so it’s worth using your insurance. Double-check to make sure this won’t increase future premiums.

Suppose it’s the side window that needs replacing. And say your deductible is $300 and the side window will cost around $300. You may want to skip insurance entirely and just deal with it privately.

Your first glass replacement shouldn’t have any effect on your insurance rates. But if you make three or more glass claims within a three-year period, they may ding you for additional fees when it’s time to renew. Double-check to make sure you are choosing the right options on your insurance policy.

3. Find a reputable repair shop

In order to get a windshield or car window replaced reliably, you want to go to an expert. If you have a favourite mechanic, ask for a referral. Check with your friends to see who they recommend.

Give your car dealer a call to see if they can help. Check with the Better Business Bureau if the rate you’ve been given for the repair is too good to be true—the shop may be using inferior products and adhesives.

Ask how long the repair will take and don’t trust anyone who says you can drive away sooner than three hours after the install.


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