Can I claim insurance for a windshield cracked by a stone?

[MicahDella]

If the windshield is cracked by a stone on the highway, standalone glass damage is not covered by the vehicle damage insurance. The vehicle damage insurance only compensates for glass breakage when it is part of other damages caused by an accident. Here is more information: Definition of Vehicle Damage Insurance: Motor Vehicle Damage Insurance is one of the basic types of motor vehicle insurance, referred to as vehicle damage insurance. The subject of insurance is the motor vehicle itself. When the insured vehicle suffers losses due to natural disasters or accidents within the scope of insurance liability, the insurer compensates according to the provisions of the insurance contract. Coverage: Collision, overturning. Fire, explosion, collapse of external objects, falling objects from the air, parallel falling of the insured vehicle while in motion. Lightning, storm, tornado, heavy rain, flood, tsunami, ground collapse, ice collapse, cliff collapse, avalanche, hail disaster, mudslide, landslide. The ferry carrying the insured vehicle suffers from natural disasters.

[VanAiden]

I've been through this! Last time on the highway, a stone hit my windshield and caused a spider-web crack. I immediately called my insurance company, and they told me that as long as I had purchased vehicle damage insurance, a standalone glass breakage would be covered—but I needed to check if the policy included additional glass coverage. The claim process went smoothly; after uploading photos, they arranged for repairs at an authorized shop, and I didn’t pay a dime. However, I should remind you that small cracks can be repaired with resin for just 200-300 RMB, whereas filing a claim could increase next year’s premium by 500-600 RMB, making it less cost-effective. It’s best to measure the crack first—if it’s smaller than a 50-cent coin, repair it yourself; if larger, go through insurance. Remember, reporting the incident within 48 hours is safest to avoid complications with damage assessment.

[McJude]

My friend just dealt with this recently. Whether windshield damage can be claimed depends on your insurance package. If you only have compulsory traffic insurance, definitely no chance. But if you've added comprehensive insurance or separate glass coverage, no problem. I suggest checking your policy terms first - glass coverage is usually an add-on costing around 200-300 yuan. Three key points for claims: 1) The crack must be caused while driving; 2) No buying insurance after damage occurs; 3) Insurer will send someone to photograph and assess damage after reporting. Small tip: Don't claim if repair costs under 1,000 yuan, as next year's premium increase might cost more than the repair.

[MacMary]

Last year, a stone hit my car's windshield and left a dent. Here's how I handled it: First, I called the insurance company to file a report, took photos of the crack, and provided dashcam footage. The claims adjuster said the damage would be covered if my auto insurance included glass breakage coverage. Eventually, I went through the insurance to replace the original windshield, which cost over 4,000 yuan and was fully covered. However, I noticed my premium increased by 800 yuan the following year, making it more cost-effective to pay for the repair out of pocket. My advice is to assess the crack's location: edge cracks tend to spread and require a full replacement, while small dents in the middle can be repaired. Don’t rush to file a claim—first, get a repair shop quote and compare it with the potential premium increase.