Can Insurance Cover Windshield Cracks?
2 Answers
If there is a crack in the front windshield and you have purchased standalone glass breakage insurance, you can directly call the insurance company to report the claim and seek compensation. Relevant information about auto insurance is as follows: 1. During the insurance period, if the insured vehicle's windshield or window glass breaks independently during use, the insurer will compensate according to the actual loss. 2. Without standalone glass insurance, if the vehicle has no obvious collision damage and only the glass is broken, the insurance company will not provide compensation. Compensation can only be claimed under the vehicle damage insurance if multiple parts of the vehicle, including the glass, are damaged in a single accident.
Last time a small crack appeared on my windshield due to a flying stone, I immediately checked my insurance policy to understand the coverage. If your auto damage insurance doesn't include additional glass coverage, minor cracks are generally not covered, meaning you'll have to pay out of pocket. I had the additional glass coverage, which covered the full replacement cost of about 800 yuan. Without it, repairing a small crack with resin would only cost two to three hundred yuan, which is both economical and safe. Remember, high-speed driving increases the risk of stone impacts, so don't hesitate to purchase glass coverage early. Otherwise, if the crack expands, it could become a safety hazard affecting visibility, leading to bigger troubles.
