Can I claim insurance for a windshield cracked by a stone on the highway?
2 Answers
No. If only the windshield is cracked and no other parts of the car are damaged, the owner must have purchased auto glass insurance for the insurance company to be responsible for compensation. Here is additional information: Insurance tips: Purchasing standalone glass breakage insurance is like buying insurance for your car's "face," making it very important. Therefore, standalone glass breakage insurance is also a very common type of additional insurance. Many car owners habitually believe that standalone glass breakage falls under the scope of vehicle damage insurance. In fact, if you file a claim with the insurance company without having purchased standalone glass breakage insurance, you will not receive compensation. Important notes: The so-called standalone glass breakage insurance means that if the vehicle is parked or in use, and no other parts are damaged except for the windshield and window glass, the insurance company will be responsible for compensation.
Last time a friend asked me about their car window cracking from a stone on the highway, I think the key point is what type of insurance they have. The standard car damage insurance includes a glass coverage option, but it requires an additional fee to be covered. If not purchased, you’ll have to pay out of pocket for the repair. If you have glass coverage, the claims process is manageable: immediately pull over, turn on hazard lights, take photos of the scene, and report it to the insurance company. They usually arrange for a replacement at a contracted repair shop quickly, but you’ll need to cover the deductible, around a thousand yuan. Submit the repair receipt for reimbursement afterward. Remember, at high speeds on the highway, stones can easily fly and cause damage. Applying an explosion-proof film can reduce the risk, and always review your insurance policy carefully.
