Coverage details
Comprehensive auto insurance — the portion covering theft, hail, vandalism, and falling objects — includes glass damage in Ontario. Collision coverage does not; it applies exclusively to damage from impact with another vehicle or object. If you carry comprehensive coverage, chips, cracks, full replacements, and associated ADAS calibration are included. Most policies also waive the deductible specifically for chip repairs as an incentive for early intervention.
Our claims process
Upon your call, we collect your policy number and our office initiates the claim with your insurer while the technician is en route. We submit photos to the adjuster, document the cause of damage, and invoice the insurer directly. Your only administrative requirement is signing a single work authorization.
Direct billing partners
We are set up for direct billing with Intact, Aviva, TD Insurance, Belairdirect, Desjardins, Wawanesa, Economical, Allstate, Co-operators, Sonnet, and most brokerages working with Lloyd's syndicates. If your insurer is not listed, we still manage all documentation. You may need to submit the final invoice for reimbursement, which we will prepare and forward to your adjuster on your behalf.
Do not delay chip repair due to concerns about administrative burden. Contact us and we will have your claim initiated before our technician arrives at your location.