Can small chips on the windshield caused by stones be claimed through insurance?

[Barros]

Vehicle insurance, also known as auto insurance, refers to a type of commercial insurance that covers personal injury or property damage caused by natural disasters or accidents involving motor vehicles. For small chips on the windshield caused by stones, the insurance company will only compensate if the owner has purchased standalone glass breakage coverage. If only vehicle damage insurance is purchased, the loss must be borne by the owner. The following are the main types of auto insurance: Compulsory Traffic Accident Liability Insurance; Third-Party Liability Insurance; Vehicle Damage Insurance; Theft Insurance. Compulsory Traffic Accident Liability Insurance (Mandatory by Law): This is a compulsory liability insurance stipulated by the "Regulations on Compulsory Traffic Accident Liability Insurance for Motor Vehicles." It provides compensation by the insurance company for personal injury or property damage to victims (excluding the vehicle's occupants and the insured) caused by road traffic accidents involving the insured vehicle, within the liability limits. Motor vehicles that do not participate in the Compulsory Traffic Accident Liability Insurance cannot be registered by the motor vehicle administration department, nor can they be inspected by motor vehicle safety inspection agencies. Third-Party Liability Insurance (Main Coverage): This covers the direct property loss and personal injury to a third party caused by an accident involving the insured vehicle while being used by a qualified driver. The insurer is responsible for compensating the economic liability that the insured is legally obligated to bear. Vehicle Damage Insurance (Main Coverage): This covers the loss of the insured vehicle itself caused by natural disasters (excluding earthquakes) or accidents within the scope of insurance liability. The insurer compensates according to the terms of the insurance contract. This coverage is the opposite of third-party liability insurance, as the latter insures others, while vehicle damage insurance covers the insured's own vehicle. Theft Insurance (Main Coverage): If the vehicle is usually parked in a secure parking lot and the commute does not involve particularly secluded areas, one might consider not purchasing theft insurance. However, for vehicles in areas with poor security, without fixed parking spaces, or for models that are common and have high theft rates, theft insurance is highly recommended.