Can I Claim Insurance for a Cracked Windshield?
2 Answers
If you have separately purchased auto glass breakage insurance, you can file an insurance claim. I. Information regarding glass breakage insurance is as follows: 1. Glass insurance: A type of commercial insurance where the insurance company is responsible for compensating for the loss of the insured vehicle's glass breakage during use. 2. Glass breakage: Refers to situations where only the windshield and window glass (excluding headlights and rearview mirror glass) of the insured vehicle are damaged. II. The insurance clauses include the following: 1. Coverage scope: This insurance is an additional coverage to the vehicle damage insurance and can only be purchased if the vehicle damage insurance has been bought. 2. Insurance liability: During the insurance period, if the insured vehicle's windshield or window glass is broken separately during use, the insurer will compensate according to the actual loss. The policyholder can voluntarily choose to insure based on imported or domestic glass after consultation with the insurer, who will bear the corresponding insurance liability according to the choice. 3. Liability exclusions: The insurer is not responsible for compensating the following losses of the insured vehicle: ① Breakage of headlights or rearview mirror glass. ② Glass breakage caused during the installation or repair of the vehicle. 4. How the insured amount is determined: The insurance company usually compensates for glass breakage based on the actual loss. There is no need to determine the insurance amount when purchasing the insurance, but it is necessary to specify whether the glass is domestic or imported to determine the compensation type during the claim. 5. Regarding insurance compensation: The insurance company is responsible for compensating for the separate breakage of the vehicle's windshield and window glass.
Last time my windshield cracked was from a small stone hitting it on the highway – I remember being startled but immediately pulled over to check. Insurance is crucial here – I had glass coverage as part of my comprehensive policy, so I called the insurer, uploaded photos, and got a free replacement at their approved shop. If your policy includes glass coverage or full comprehensive, you can usually claim; otherwise you might pay out-of-pocket. Small cracks don't require full replacement – professional repair shops can fix them for a few dozen bucks, saving money where possible. Safety first though – large cracks impair visibility, avoid hard braking to prevent expansion, and after repair check wipers and seals for related issues. Definitely review your policy details early – don't delay too long or insurers might claim it's user-inflicted damage.
