Can I claim insurance if my windshield is hit by a stone?

[DiMatthew]

If only the glass is broken and you don't have glass insurance, the insurance company won't compensate. If the glass is broken and there is damage to other parts of the vehicle at the same time, you can use the vehicle damage insurance to claim. Glass breakage insurance: In an insurance incident, glass breakage is usually accompanied by damage to other parts of the vehicle. In this case, the glass breakage falls under the scope of the vehicle damage insurance. However, when the glass is broken alone, it does not fall under the scope of the vehicle damage insurance but under the glass insurance. Full vehicle insurance refers to: compulsory traffic insurance + vehicle damage insurance + third-party liability insurance + no-deductible insurance + passenger insurance, etc. You can also add theft insurance, glass insurance, body scratch insurance, and spontaneous combustion insurance. You can contact your insurance company to see if you have this part of the insurance coverage. In addition to vehicle damage insurance, there are three types of mandatory car insurance. First is compulsory traffic insurance, which is a state-mandated insurance to protect the rights of victims in traffic accidents. You cannot drive without it, but the compensation amount is low and only provides basic protection. Second is third-party liability insurance, which mainly covers the personal injury and property damage of third parties and serves as a supplement to compulsory traffic insurance. The coverage is higher. After a traffic accident, compulsory traffic insurance is paid first, and the remaining part is covered by third-party liability insurance. Finally, there is no-deductible insurance, which, as the name suggests, has no deductible or deductible rate, so you don't have to pay out of pocket after an accident. Here is some relevant information about windshields: A windshield is made by bonding a transparent adhesive plastic film between two or three layers of glass, combining the toughness of plastic with the hardness of glass to increase the glass's resistance to breakage. Tempered glass is made by quenching ordinary glass to create internal stress, thereby strengthening the glass. When it breaks under impact, it splits into small pieces with blunt edges, reducing the risk of injury to passengers. Regional tempered glass is a new type of tempered glass that undergoes special treatment to maintain some clarity in the cracks when broken, ensuring the driver's field of vision is not affected. Currently, most car windshields are made of laminated tempered glass or laminated regional tempered glass, which can withstand strong impacts.