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Will My Insurance Rates Go Up if I Use Insurance for Auto Glass Replacement in BC?

rock chip on the windshield

Did you know that you can get ticketed by the police for a cracked windshield? A chip or crack in your windshield can impair your vision and lead to a fine. That's one of the many reasons it's important to get a glass replacement or windshield repair when your car's windshield is damaged. 

But, should you use your insurance? Will your rates increase? Keep reading to learn about your auto glass replacement and insurance. 


Does Insurance Cover a Windshield Replacement?

If you have ICBC Comprehensive Insurance, ICBC will typically replace your auto glass. Only a small deductible, which is typically between $300 and $500 depending on your policy, will be required of you. You won't be required to pay the deductible at all if there is only a minor rock chip that can be repaired.


Will My Insurance Rates Go Up if I Use Insurance for Glass Replacement? 

Insurance premiums are typically not affected by replacing your auto glass. Your insurer won't raise your premium because most cracked or shattered windshields are caused by external factors rather than driver negligence.

It should be noted, though, that if you file multiple claims for auto glass replacement, your insurer might investigate the reasons why and raise your rates as a result of your claim history.


Schedule Your Windshield Repair or Replacement Today

In conclusion, you should generally use your ICBC comprehensive insurance to help cover the majority, if not the entire cost of the work. This will depend on whether you can use it to replace a windshield or repair a rock chip. If for some reason, paying out-of-pocket for the work is less expensive than using insurance, we would let you know. In our experience, this rarely occurs. Make use of your insurance if you have it.

Are you ready to get your windshield replaced or repaired? Capital Auto Glass has been in the glass business for over 100 years. Schedule your service today. 


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