Can Compulsory Traffic Insurance Cover Broken Car Glass?

[McPaislee]

No, it cannot. Compulsory traffic insurance does not cover the repair costs for your own car's broken glass because it is designed to compensate for damages to third-party vehicles and individuals. To claim for vehicle damage, you must have purchased a separate vehicle damage insurance policy. Compulsory traffic insurance is mandatory by law and is required for your vehicle to be legally driven on the road. Otherwise, according to the "Road Traffic Safety Law," the traffic management department of the public security authorities may impound the vehicle, require the owner to provide the corresponding license plates, marks, or complete the necessary procedures, and may impose a warning or 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 for personal injuries, deaths, and property losses of victims (excluding vehicle occupants and the insured) caused by road traffic accidents within the liability limits. The premium is based on a nationally unified standard. However, the price of compulsory traffic insurance varies depending on the vehicle type, with the main influencing factor being the number of seats. Compared to the over 20 exemption clauses in commercial third-party liability insurance, compulsory traffic insurance has a broader coverage, excluding losses caused intentionally by the victim, the insured's own property losses, 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 provide compensation within the liability limits, with no deductibles or exemptions. Introduction to Electronic Insurance Policies An electronic insurance policy refers to a digital policy issued by an insurance company with an electronic signature, using digital signature software and corporate digital certificates that comply with the PKI system. An insurance policy, abbreviated as a policy, is the official 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 content of the insurance policy serves as the basis for both parties to fulfill the contract. The insurance policy is proof of the establishment of the insurance contract. Advantages of Electronic Insurance Policies: Saves paper resources, eliminating the need to print insurance proof marks on paper; Saves time and is convenient, not restricted by time or location, with information accessible online anytime, quickly and easily; Allows for reissuance and resending, eliminating concerns about losing it. If a paper version is needed offline, it can be printed or mailed; Facilitates management, as electronic standardization makes it easier for insurance companies and traffic police departments to manage the insurance information of various vehicles.

[HectorLynn]

Last time my car window was smashed, I immediately contacted the insurance company, only to be told that compulsory traffic insurance doesn't cover this at all. After carefully checking the terms, I realized that compulsory insurance is mandatory by law and only covers the other party's losses in an accident - your own vehicle damage, including glass, isn't covered. To deal with your own car's glass issues, you need to rely on the commercial auto insurance's vehicle damage insurance and separate glass breakage insurance. For example, when a windshield gets cracked by a stone on the highway, glass insurance comes in handy. I recommend everyone carefully review insurance types when purchasing and keep a claim number in your phone. Also, a reminder: small cracks can be repaired, but for cracks exceeding 15 centimeters, it's better to replace the glass entirely. Otherwise, wind pressure can cause the entire piece to shatter, which is extremely dangerous.

[Santiago]

We veteran truckers know the ins and outs of insurance. Compulsory traffic insurance covers human casualties—it pays if you injure someone, but won't cover a dime for your own vehicle damage. Last month, fellow driver Lao Li had his truck window smashed and only learned after reporting to police that it's commercial insurance that handles such cases. If you only have compulsory and third-party coverage, you'll be paying out of pocket for window replacements. My advice? Always add separate glass coverage when buying insurance, especially for vehicles frequently driving on gravel roads. A factory windshield replacement easily costs 3,000-4,000 yuan—insurance saves you big. If you're temporarily without glass coverage, ask repair shops about aftermarket parts—half the price, but make sure they apply the sealant properly.

[ChristopherLynn]

Just went through a windshield smash? Here's my take: Reported it to insurance the same day and was told compulsory traffic insurance doesn't cover it. The claims adjuster explained that compulsory insurance is liability coverage, only paying for damage to third-party persons or property. Want to claim auto glass repair? First confirm you've purchased vehicle damage insurance with separate glass coverage. Recommendation: Call your insurer directly with license plate number to check coverage. Pro tip: If the crack is directly in the driver's sightline, address it immediately for safety; small side cracks can get temporary repairs first. Remember to have the repair shop use polyurethane adhesive for glass bonding - it resists aging better than regular silicone. For film application, choose UV-resistant options to prevent yellowing of glass edges after a few years.