Can I Claim Insurance for a Broken Windshield?
2 Answers
Whether you can claim insurance for a broken windshield depends on whether you have purchased glass insurance. Below is the relevant information: Coverage of Glass Insurance: Glass insurance, also known as auto glass coverage, is a type of commercial insurance where the insurer is responsible for compensating for the loss caused by the breakage of the insured vehicle's glass during use. Glass breakage refers to damage only to the windshield and window glass (excluding headlights and mirror glass) of the insured vehicle. Points to Note for Claims: The insurer will not compensate for breakage of headlights, mirror glass, or glass breakage occurring during the installation or repair of the vehicle. Non-claimable situations include: loss due to glass film, sunroof glass damage, loss of labels, difference in cost between imported and domestically insured glass, loss of additional equipment, and glass breakage during repairs.
A few days ago, a large crack appeared on my car's windshield after being hit by a flying stone. I immediately contacted my insurance company to file a claim. Fortunately, my car insurance includes additional glass coverage, so they arranged for a technician to come and repair it without any cost. When driving on rough roads or routes with many large trucks, it's important to be cautious and avoid driving too fast to prevent stones from splashing. Adding glass insurance isn't expensive—just a few hundred dollars a year—but it can save you thousands in repair costs when needed. Small cracks can expand into larger fragments if left untreated, severely affecting visibility and safety. Therefore, I recommend checking your policy immediately for similar coverage and not delaying to prevent the problem from worsening.
