What to Do When Your Windshield Cracks in Saskatchewan

What to Do When Your Windshield Cracks in Saskatchewan

A gravel truck passes you on Highway 1, there’s a crack, and now there’s a line spreading across your glass. A cracked windshield in Saskatchewan raises the same questions for everyone: What will this cost? Do I call SGI? Will my insurance go up? Can I keep driving?

Here’s what to do, in order.

Step 1: Look at the damage

When it’s safe, pull over and take a look. The size and spot tell you a lot:

What you see	What it usually needs
A chip smaller than a loonie	A quick repair, free with an SGI package policy
A crack under about 15 cm (6 inches), away from your view and the edges	Possibly a repair; have it checked
A long crack, spider-web damage, or a crack reaching the edge	A full windshield replacement

If the crack runs through your line of sight, read whether it’s legal to drive on.

Step 2: Take a photo

Get a clear picture on your phone before anything else. It lets the shop assess the damage remotely, and for back or door glass, SGI may ask for photos.

Step 3: Note the date

Every SGI glass claim needs a date of loss: the day the damage happened. If you only noticed it later, a best guess is fine. Don’t sit on it, though. Cracks spread fast in our climate.

Step 4: Don’t call SGI (for a windshield)

This surprises most people. For windshield damage and stone chips, you don’t call SGI, you don’t use eClaim, and you don’t need a claim number. The glass shop does it all: confirms your coverage, opens the claim, and bills SGI directly.

The exception: back glass, and sometimes door glass. For those, SGI usually wants you to open the claim yourself first. We’ll walk you through it.

Step 5: Call a glass shop

Call Mike’s Auto Glass at (306) 543-2299, or text us the photo from Step 2. Tell us your vehicle and what happened. We’ll:

1. Tell you whether it’s a repair or a replacement
2. Check your SGI coverage and exact deductible
3. Book you in, often for the same day

Keep your registration handy. It has the customer number and plate number we need.

Step 6: Get it fixed

Bring your vehicle in, or drop it off the night before using our key drop. You pay only your deductible, as little as $50 with a package policy. We do the work, file the claim, and most windshields are done the same day.

What not to do

• Don’t ignore it. Freeze-thaw cycles can turn a repairable chip into a long crack within days.
• Don’t reach for a hardware-store repair kit. They rarely last, and a failed DIY job can rule out a proper repair.
• Don’t assume it’ll be expensive. With a package policy, a replacement is $50–$100 and chip repairs are free.
• Don’t skip the claim over your rates. Road hazard glass claims don’t affect your SGI rates.

Quick reference

Question	Answer
Small chip?	Repair, free with a package policy
Crack under 15 cm?	Maybe repairable, so get it checked
Large crack?	Replacement, $50–$100 with a package policy
Who files the claim?	The glass shop, not you
Effect on your rates?	None
How fast?	Most jobs same day

Call Mike’s Auto Glass at (306) 543-2299 and we’ll look at the damage, check your coverage, and get you booked. Or start your claim online.