When a flying rock hits your windshield on the highway, the last thing you want to worry about is your insurance going up. At Avenue Auto Glass, one of the most common questions we hear from drivers is: “If I file a claim for my windshield, will my ICBC premium go up?”
Here’s the short answer, along with how ICBC Comprehensive Coverage works for your auto glass.
How ICBC Handles Auto Glass Claims
Windshield damage and auto glass repairs fall under your ICBC Comprehensive Coverage. Comprehensive claims cover non-crash events that are usually out of your control, such as:
- Flying rock chips and gravel
- Falling objects
- Theft or vandalism
- Extreme weather or temperature cracks
- Animal strikes
Because these incidents do not reflect your driving ability, a standard comprehensive claim will not raise your ICBC insurance premium or affect your safe driving discount.
Windshield Repair vs. Replacement
- Rock Chip Repairs: If the chip is small enough (generally smaller than a loonie and out of driver’s line of vision), ICBC covers chip repairs for free. You do not have to pay a deductible, and the repair stops the damage from spreading.
- Windshield Replacements: If the glass is shattered, cracked, or unsafe to repair, a replacement is necessary. For replacements, ICBC covers the cost of the glass and installation, while you pay your chosen policy deductible (typically $200, $300, or $500).
Can Frequent Claims Ever Impact Your Insurance?
While a single claim or the occasional chip repair or replacement won’t raise your premium, a high frequency of claims in a short time frame can lead to a review by ICBC.
Hassle-Free Glass Repairs at Avenue Auto Glass
As an ICBC-approved facility, Avenue Auto Glass processes your claim directly with ICBC. You don’t have to spend hours on the phone, simply bring your vehicle to us, and we’ll handle the paperwork, and get you back on the road safely.
Got a rock chip or a cracked windshield? —contact Avenue Auto Glass today for fast, ICBC-approved windshield repair and replacement. Call us, visit our location, or book online for the most professional service in the city.
Avenue Auto Glass – See Clearly. Drive Confidently.
Your trusted auto glass experts in Vancouver.