TD Insurance Claims
Glass is frequently the cheapest claim you will ever make and the one most people put off longest. Here is why the timing matters and what calibration adds.
This guide covers
- Focus
- Glass claims and ADAS calibration
- Shop choice
- Yours, in Alberta
- Estimates
- Free and written
- You pay
- Your deductible
TD Insurance
Glass claims and ADAS calibration
Most comprehensive policies in Alberta include glass, and many treat chip repair with no deductible at all. That combination makes leaving a chip alone genuinely irrational: the repair is free or nearly free while it is a chip, and it becomes a several-hundred-dollar replacement the first time the temperature swings.
Where a windshield does need replacing, the significant modern cost is calibration. On most vehicles built in the last decade there is a forward-facing camera looking through the glass, feeding lane keeping, adaptive cruise and automatic emergency braking. Its aim is measured in fractions of a degree, and changing the glass moves it.
Have this ready
- Your policy number and vehicle details including trim level
- Whether the vehicle has lane keeping, adaptive cruise or automatic braking
- Whether it has a rain sensor, heated glass or head-up display
- A photograph of the chip or crack with something for scale
- Confirmation of your glass deductible
The detail
Glass claims and ADAS calibration
Chip repair first
Smaller than a two-dollar coin, outside the driver's sightline and away from the edge is usually a sub-hour resin repair.
Separate glass deductible
Many policies carry a lower deductible for glass than for collision. Check the specific figure rather than assuming it is the same.
Calibration is part of the job
Static, dynamic or both, depending on what the manufacturer specifies for your vehicle. We supply the completion report for your records.
Safe drive-away time
Manufacturer-approved urethane needs time to cure, and in a Calgary winter that is longer than most people expect. It is not a figure worth rushing.
What we do on your claim
You should not be managing your own claim while also getting to work without a car.
Document
Photographs and a written scope of every damaged area before anything is touched.
Submit
An itemised estimate in the format adjusters work in, followed up rather than left in a queue.
Supplement
Hidden damage photographed and submitted the same day it is exposed, then chased to approval.
Hand back
Quality inspection, your full repair file, and a warranty you can hold us to.
Is chip repair really covered with no deductible?
It very often is under Alberta comprehensive coverage, but it depends on your policy. It takes one call to confirm and it is worth making.
Do I need recalibration after a windshield replacement?
If the vehicle has camera-based driver assistance systems, yes. A windshield replaced without recalibration leaves a vehicle that looks finished and reads the road incorrectly.
Does a glass claim affect my premium?
Glass sits under comprehensive rather than at-fault collision, and is generally treated differently. Your broker can tell you how your specific policy handles it.
SAK Auto Group is an independent repair facility. We are not affiliated with, endorsed by or acting as an agent of this insurer, and the names used here are for identification only. Your coverage is governed entirely by your own policy wording — confirm the specifics with your broker or adjuster.
Other guides
More on claims
- 01
Intact Insurance — Direct billing, estimates and supplements
How an Intact auto claim runs through our shop — estimate, authorisation, supplements and direct settlement.
- 02
Aviva Canada — Total loss decisions and reviewing a valuation
How a total loss decision is reached on an Aviva claim, and what you can do if the valuation looks low.
- 03
Wawanesa Insurance — Hail and comprehensive claims
How hail and other comprehensive claims work, why they are treated differently from an at-fault collision, and what to do first.
- 04
The Co-operators — Commercial and fleet claims
How commercial vehicle claims differ from personal ones — more parties, more documentation, and downtime as the real cost.
Start your claim estimate
Send photos and your claim number. Written estimate back within one business day, and we deal with the adjuster.