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.

[SanJustin]

I've been driving for over a decade, and it's common to get small chips on the windshield from flying stones—my old car had its share too. Most of these small chips can be repaired without replacing the entire glass, costing just a few dozen to a few hundred yuan. Regarding insurance claims, it depends on your policy: if you have glass coverage (also known as standalone glass breakage insurance), the insurer usually reimburses repair or replacement costs directly. However, standard comprehensive insurance might not cover minor chip repairs, only major cracks or full replacements. It's best to check your policy or call customer service to confirm, so you don’t waste a trip. I recommend fixing chips early—delaying can lead to cracks, compromising safety and increasing costs. Remember to take photos of the damage for claims documentation. The repair process is simple too; a professional shop fills it with resin and dries it, taking just about ten minutes.

[DeValerie]

As someone who often helps friends with car insurance issues, the key to small windshield chip claims lies in the insurance policy terms. The glass coverage specifically protects against this, with low claim thresholds: small chips can usually be claimed as long as they haven't expanded; without glass coverage, standard car insurance claims are difficult unless you can prove the damage poses a driving hazard. The claim process typically involves reporting the incident, taking photos, assessing the damage, and then repairing the car for reimbursement. Cost-wise, small chip repairs aren't expensive, and if your insurance deductible is high (e.g., over 500 yuan), paying out of pocket may be more economical and avoids claim records. I've encountered many drivers who skipped glass coverage—it costs just a few hundred yuan annually but saves big. A reminder to everyone: add glass rider coverage when buying car insurance, and avoid gravel roads when parking to reduce risks. Handling such minor issues properly enhances safe driving experiences.

[DelBrooklyn]

With years of experience in car repair, small windshield dots are the most common issue I've handled thousands of. Small holes can be fixed with resin filling, which is quick and inexpensive. Insurance claims depend on whether you have glass coverage: if you do, go to a partner shop for free or low-cost repair; if not, paying out of pocket is simpler. Note that untreated small dots can crack within days, impairing visibility and increasing risk. It's advisable to address them promptly with professional services to ensure quality.