Can I directly claim insurance for a broken front windshield?

[EleanorRose]

You can directly claim insurance for a broken front windshield. Introduction to vehicle insurance: Motor vehicle insurance, also known as auto insurance, is a type of commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. Scope of vehicle insurance coverage: Motor vehicle insurance, commonly referred to as "auto insurance," is a transportation tool insurance that covers the vehicle itself and its third-party liability. The policyholders primarily include legal entities and individuals who own various types of motor vehicles. The insured objects mainly consist of various types of automobiles, but also include specialized vehicles such as electric cars, battery-powered vehicles, and motorcycles.

[RubyFitz]

As a veteran driver with over 20 years of experience, I've encountered windshield issues several times. Filing an insurance claim is indeed an option, but it depends on the specific circumstances. First, check your insurance coverage – basic compulsory traffic insurance usually doesn't cover glass repairs; you need vehicle damage insurance or separate glass coverage. Last time when my windshield had a big crack, I called the insurance company, and they arranged for a free replacement at a repair shop, though I had to pay a 400 yuan deductible, which was much more economical than paying over 3000 yuan out of pocket. Additionally, if the glass damage is caused by an accident, you need to report it to the traffic police first to facilitate the claim process; if not, such as damage from a flying stone, just explain the situation clearly. I recommend contacting customer service immediately – don't delay. Safe driving is crucial, as cracks can worsen and obstruct your view. Also, after repairs, remember to check related parts like wipers and seals to ensure they don't affect future driving.

[LeElla]

I panicked when my windshield cracked just one year after buying the car! Called a friend who suggested trying insurance, so I did. Contacted the insurer's customer service—they asked for details like crack location, size, and proof of cause (mine froze and cracked while parked). After verification, repairs were arranged. Cost-wise, insurance covered 70%, I paid a 300 yuan deductible, and it was done in under two days. Later learned not all policies cover this directly: compulsory insurance usually doesn’t, you need commercial coverage. DIY fixes work for minor cracks, but major issues are easier with insurance. Also, avoid highways during repairs for safety—wait until the new glass is installed before driving for peace of mind.

[VonFelicity]

Whether you can directly claim insurance for a broken windshield depends on the insurance policy. From my related work experience, most auto insurance is divided into compulsory traffic insurance and commercial insurance. Compulsory traffic insurance generally excludes glass damage, so you must have additional glass coverage for it to be effective. If it's just a small crack, you can try a DIY repair kit, which costs just a few dozen dollars. However, if the entire windshield is cracked, you should file an insurance claim for a quicker and safer solution. The key is not to drive immediately—first, check your policy or call customer service to confirm coverage before taking action. In terms of costs, insurance will cover most expenses but may require a deductible, so calculate whether this option is more cost-effective.