Can I Claim Insurance for Broken Car Glass?
2 Answers
If you have separately purchased auto glass breakage insurance, you can file an insurance claim. If the vehicle is insured under comprehensive insurance and also has separate glass breakage insurance, in this case, regardless of the circumstances causing the windshield to break, it falls under the insurance liability, and the insurance company will compensate. If the vehicle is insured under comprehensive insurance but does not have separate glass breakage insurance, in this case, if the vehicle damage is caused by an accident and includes windshield damage, it falls under the insurance liability, and the insurance company will compensate; if the accident only causes glass breakage without any other damage, it does not fall under the insurance liability, and the insurance company will not compensate. Information about glass breakage insurance is as follows: Glass insurance: A commercial insurance where the insurance company is responsible for compensating the insured vehicle for losses due to glass breakage during use. Glass breakage: Refers to situations where only the windshield and window glass (excluding headlights and mirror glass) of the insured vehicle are damaged. Insurance clauses include the following: Coverage scope: This insurance is an additional coverage to the vehicle damage insurance; only vehicles insured under vehicle damage insurance can purchase this additional coverage. Insurance liability: During the insurance period, if the insured vehicle's windshield or window glass breaks separately during use, the insurer will compensate according to the actual loss. The policyholder can voluntarily choose to insure with either imported or domestic glass in consultation with the insurer, and the insurer will bear the corresponding insurance liability based on this choice. Exclusions: The insurer is not responsible for the following losses of the insured vehicle: breakage of headlights or mirror glass. Glass breakage caused during vehicle installation or repair. 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 insured amount when purchasing the insurance, but you must specify whether to insure with domestic or imported glass to determine the compensation type during the claim. About insurance compensation: The insurance company is responsible for compensating for separate breakage of the vehicle's windshield and window glass.
As a car owner, I've experienced having my windshield shattered by a flying stone, and it was indeed covered by insurance. My car had comprehensive insurance, so I simply called the insurance company to file a claim, sent them photos of the damage through customer service, and the process went quite smoothly. They sent a technician to replace the glass for free, and I only had to pay a small deductible, which wasn't expensive. When driving on highways, it's important to be cautious of sand and debris falling from large trucks. I recommend checking your policy annually to see if it includes glass coverage, as having specific glass insurance can make handling minor issues easier. If your windshield breaks, don't delay getting it fixed—driving with impaired visibility is dangerous and could even affect the structural safety of your vehicle. In short, most comprehensive insurance policies cover such accidents, so just make sure to address the issue promptly.
