Can I Claim Auto Damage Insurance for Broken Glass?
2 Answers
If it's only the car window glass that is broken, auto damage insurance won't cover it. You need separate glass breakage insurance for compensation. Relevant explanations are as follows: Reason: If the vehicle is involved in an accident causing damage to the entire car, including the window glass, then auto damage insurance can cover it. Additional note: The 2020 auto insurance reform added 7 responsibilities to auto damage insurance, one of which includes glass insurance. Therefore, now as long as the car owner has purchased auto damage insurance, they can enjoy glass insurance coverage. However, it's important to note that glass insurance does not cover the loss of car lights, sunroofs, or rearview mirrors. The loss of these parts needs to be borne by the car owner themselves.
Last time my car window was smashed, I immediately called the insurance company. They said that after the recent auto damage insurance reform, standalone glass breakage now requires separate glass coverage to be eligible for claims—like when the windshield or windows suddenly crack on their own. However, if your glass is damaged in an accident, such as cracking due to a rear-end collision, the auto damage insurance will cover it. Sunroofs also fall under glass coverage, so pay special attention. I recommend all car owners check their policies to see if glass coverage is included. There are too many cases of rocks chipping glass on highways—my friend had to pay over 2,000 yuan out of pocket to replace his windshield.
