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Insurance and Windshield Repair/Replacement: What You Need to Know

justinbelford
Windshield Rock Chip from Kelowna highway
Windshield Rock Chip from Kelowna highway

If you’re a resident of British Columbia, dealing with a damaged windshield can be stressful. Thankfully, if your vehicle is insured through ICBC (Insurance Corporation of British Columbia), the process of repairing or replacing your windshield is straightforward - especially when you choose MasterGlass AutoGlass. We take care of all the paperwork, but for those who are curious, here’s a breakdown of how it works.


Step 1: Assess the Damage

The first step is to determine whether your windshield needs a repair or a full replacement. Small chips and cracks can often be repaired, but if the damage is extensive or directly in the driver’s line of sight, a replacement might be necessary. MasterGlass AutoGlass offers free damage assessments to help you decide.


Step 2: Verify Your ICBC Coverage

ICBC offers optional comprehensive coverage that typically includes windshield repairs or replacement. If you’re unsure whether you have this coverage, don’t worry. Our team will verify your ICBC policy for you. If you are covered by ICBC, chip repairs are FREE and windshield replacements have a $200 deductible. 


Step 3: File an ICBC Claim

When you bring your vehicle to one of three MasterGlass AutoGlass locations in the Okanagan, we will handle the claim process from start to finish. Here’s what happens:

  1. Claim Initiation: We contact ICBC on your behalf to file the claim. You’ll need to provide your vehicle’s insurance information and we will create a description of the damage.

  2. Claim Approval: As an ICBC Glass Express facility, we get instant approval for your claims, so no waiting around for the insurance company to get back to us.

  3. Deductible Payment: Normally, a $200 deductible payment will need to be paid before the repair or replacement begins. The amount can vary based on your policy details.


Step 4: The Repair or Replacement

Once the claim is approved, we get to work:

  • Repairs: For small chips and cracks, our technicians use advanced resin injection techniques to restore the structural integrity of your windshield. The process usually takes about 20 minutes.

  • Replacement: If your windshield requires replacement, we source high-quality glass that meets manufacturer standards and we have over 50,000 units in stock. Chances are, we have your windshield ready to go. The replacement process typically takes 1-2 hours.


Step 5: Final Paperwork and Payment

After the work is complete, we finalize the paperwork with ICBC and provide you with any necessary documentation. If your policy covers the entire cost, you won’t need to pay anything beyond the deductible.


Why Choose Master Glass Auto Glass?

  • Convenience: We handle all the paperwork with ICBC, so you don’t have to.

  • Expertise: Our certified technicians ensure top-quality repairs and replacements.

  • Customer Service: We’re here to answer all your questions and make the process as smooth as possible.

  • Mobile Service and Pickup: We offer free mobile service and free pickup and drop off service in the Kelowna area.


Common Questions About ICBC Windshield Coverage

  • What if I don’t have comprehensive coverage? If you don’t have ICBC’s optional comprehensive coverage, you’ll need to pay out of pocket. We’ll provide a detailed quote before starting any work and we offer the most competitive prices in the Okanagan.

  • Does a repair affect my insurance premiums? Repairs for minor windshield damage typically don’t impact your premiums, as long as the claim is within your comprehensive coverage.

  • How often should I check for windshield damage? Regularly inspect your windshield for chips and cracks, especially after driving on gravel roads or in extreme weather conditions.


Conclusion

At Master Glass Auto Glass, we’re committed to making windshield repair and replacement easy and hassle-free for our customers. With ICBC insurance and our expertise, you can drive away with confidence, knowing your vehicle is in great shape. Have more questions? Contact us today, and let us help you get back on the road safely!

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