Can I Claim Insurance for Broken Car Glass?

[Clyde]

If the windshield is damaged due to an accident, you can claim it under the vehicle damage insurance. However, if the glass is damaged without any accident (i.e., standalone glass damage), it can only be claimed under a standalone glass breakage insurance and not under the vehicle damage insurance. Below is relevant information about car insurance: 1. Motor Insurance: Motor vehicle insurance is a type of insurance that covers automobiles, electric cars, motorcycles, tractors, and other motor vehicles. It can be divided into compulsory traffic insurance (CTI) and commercial insurance, with the latter further categorized into basic insurance (also called main insurance) and additional coverage. Motor vehicle insurance originated in the late 19th century, marking the world's earliest motor vehicle insurance policies. 2. Insurance Types: Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance, with the latter comprising basic insurance and additional coverage. Basic insurance includes vehicle damage insurance, third-party liability insurance, comprehensive theft insurance (theft coverage), and passenger liability insurance (driver liability and passenger liability). Additional coverage includes standalone glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, water ingress insurance, no-fault liability insurance, cargo drop liability insurance, vehicle downtime loss insurance, new equipment loss insurance, and no-deductible special coverage. Standalone glass breakage insurance, spontaneous combustion loss insurance, and new equipment loss insurance are add-ons to vehicle damage insurance and can only be purchased after securing vehicle damage insurance. Passenger liability insurance, no-fault liability insurance, and cargo drop liability insurance are add-ons to third-party liability insurance and require the latter to be in place first. Each no-deductible coverage can be purchased independently. 2. Compulsory Traffic Insurance (CTI): CTI, officially known as Compulsory Traffic Accident Liability Insurance for Motor Vehicles, is China's first mandatory insurance system enforced by national law. According to the 'Regulations on Compulsory Traffic Accident Liability Insurance for Motor Vehicles' (hereinafter referred to as the 'Regulations'), CTI is a mandatory liability insurance where the insurer compensates victims (excluding the vehicle's occupants and the insured) for personal injury, death, or property damage caused by road traffic accidents within the liability limits.