Can I Claim Insurance for a Windshield Cracked by a Stone?
2 Answers
You can claim insurance for a windshield cracked by a stone. Here is relevant information about motor vehicle insurance: Definition: Motor vehicle insurance, also known as auto insurance (abbreviated as car insurance), refers to a type of commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. Development: The true development of motor vehicle insurance occurred after World War II. On one hand, the popularity of automobiles made road accidents a widespread social hazard. On the other hand, many countries included third-party liability insurance for various motor vehicles, including cars, as mandatory coverage. As a result, motor vehicle insurance has become a universally significant insurance business worldwide.
I've been driving for over a decade and encountered this situation several times. If your windshield gets cracked by a stone, you can certainly file an insurance claim, but it depends on whether your auto insurance includes separate glass coverage. I suggest checking your policy documents or calling customer service to confirm first. If it's covered, you should promptly take clear photos of the crack - both close-up and wide shots, then report it to the insurance company to start the claims process. Repairs usually involve quick windshield replacement at authorized 4S shops, but your premium might increase slightly next year after claiming. Small cracks can be repaired affordably, while large ones are safer to replace entirely. Keep your distance from large vehicles when driving - their tires tend to kick up stones, so maintain space to prevent risks.