Can a broken windshield be claimed under compulsory traffic insurance?
3 Answers
No, compulsory traffic insurance does not cover damage to your own vehicle's glass, as it is designed to compensate for damage to third-party vehicles and individuals. To claim for vehicle damage, you must have purchased vehicle damage insurance. Compulsory traffic insurance is mandatory by the state and is required for legally driving on the road. Otherwise, according to the "Road Traffic Safety Law," the traffic management department of the public security authorities can impound the vehicle, require the owner to provide the corresponding license, registration, or complete necessary procedures, and may issue a warning or impose a fine ranging from 20 to 200 yuan. Compulsory Traffic Insurance for Automobiles: The full name of compulsory traffic insurance is "Compulsory Liability Insurance for Motor Vehicle Traffic Accidents." It is a mandatory liability insurance where the insurance company compensates, within the liability limits, for personal injuries, deaths, and property losses suffered by victims (excluding vehicle occupants and the insured) in road traffic accidents involving the insured vehicle. The premium is based on a nationally unified standard rate. However, the price of compulsory traffic insurance varies for different vehicle types, primarily influenced by the number of seats. Compared to the more than 20 exemption clauses in commercial third-party liability insurance, compulsory traffic insurance covers a broader range, including losses caused intentionally by the victim, the insured's own property damage, related arbitration and litigation costs, and certain indirect losses from accidents. Moreover, regardless of whether the insured vehicle is at fault in an accident, compulsory traffic insurance will compensate within the liability limits without any deductible or exemption. Introduction to Electronic Insurance Policies An electronic insurance policy refers to a digital policy issued by an insurance company using digital signature software and corporate digital certificates that comply with the PKI system, bearing the electronic signature of the insurance company. An insurance policy, abbreviated as a policy, is the formal written proof of the insurance contract between the insurer and the insured. It must fully record the rights, obligations, and responsibilities of both parties to the insurance contract. The contents of the insurance policy serve as the basis for both parties to fulfill their contractual obligations. The insurance policy is proof of the establishment of the insurance contract. Advantages of Electronic Insurance Policies: Saves paper resources by eliminating the need to print insurance proof labels; Time-saving and convenient, not restricted by time or location, with information universally accessible online anytime, quickly and easily; Allows for reissuance and resending, eliminating worries about loss. If a paper version is needed offline, it can be printed or mailed; Easy management, as electronic standardization makes it easier for insurance companies and traffic police departments to manage the insurance information of various vehicles.
Last year on the highway, a stone hit my car's windshield and caused a crack. At first, I thought the compulsory traffic insurance would cover it, but after calling the insurance company, I learned that compulsory insurance only covers compensation for others in accidents, such as injuring someone or damaging their property. Damage to your own car's windshield isn't included. Compulsory insurance is mandatory to protect third parties, while vehicle damage requires commercial auto insurance like vehicle damage insurance or additional glass coverage. That time, I hadn't purchased any add-ons, so I had to pay 800 yuan out of pocket to replace the windshield at a repair shop. Later, I realized I should choose more coverage options when renewing my car insurance each year. A damaged windshield is quite troublesome—blurred vision increases the risk of accidents, so it's crucial to repair it promptly and not delay. Safety comes first. When driving, try to avoid sections with many flying stones to prevent window damage. Regularly reviewing your insurance policy to fill any gaps will give you greater peace of mind.
When I first started driving, a friend shared his experience with a cracked windshield. He mentioned that compulsory traffic insurance (CTI) was completely useless in this case because it only covers incidents where you cause harm to others, such as compensating for injuries or property damage. Any damage to your own vehicle, including windshield issues, is not covered by CTI. To handle such situations, you need to purchase additional commercial auto insurance. CTI is a basic safeguard designed to promote responsible driving, but it offers almost zero protection for the policyholder's own vehicle. So, if your windshield cracks, you’ll either need to rely on commercial insurance or pay out of pocket. As a new driver like me, I’d recommend checking your policy to see if you have glass coverage. If not, adding it could save you hundreds in repair costs if your windshield breaks. Most importantly, never delay fixing a cracked windshield—impaired visibility increases the risk of accidents. Always prioritize safety by getting it repaired promptly at an authorized service center. Learning a bit about insurance basics can also help you prepare for unexpected situations.
