Can the damage to the front windshield be covered by insurance?
2 Answers
According to the exclusions stipulated in the auto damage insurance clauses, insurance companies are not liable for compensation in cases of glass breakage alone, body scratches without obvious collision marks, or separate damage to the sunroof and rearview mirrors. However, if you have purchased separate glass breakage insurance, compensation can be provided for standalone glass breakage. The separate glass breakage insurance covers situations where only the windshield and window glass (excluding headlights and mirror glass) of the insured vehicle are damaged, and the insurance company is responsible for compensation. Below are detailed explanations regarding this: 1. Explanation one: Non-sunroof glass damage. Many modern cars come with sunroofs, but damage to the sunroof is not included in the separate glass breakage insurance. 2. Explanation two: Non-glass film damage. Many car owners like to apply window films to their car windows, but the separate glass breakage insurance specifically covers only the car window glass and does not include the film.
The windshield of my car was shattered once last year when it was hit by a small stone on the highway, which really startled me. Fortunately, I had purchased comprehensive insurance in advance, which included a separate glass breakage clause, so the insurance company compensated me quickly. The claims process was actually simple: first, park in a safe location—don’t rush to drive to avoid injury from fragments or obstructed vision—then take a few photos of the damage, call to report the claim, and they’ll arrange for an inspection. After confirming the cause of the incident, the claim was settled. It’s important to note that without additional glass coverage, standard car damage insurance might not cover glass-only damage unless it’s part of a larger accident. Also, deductibles are common—I paid just over 100 RMB out of pocket. The repair took only half a day and went smoothly. I recommend all car owners regularly review their insurance policies to avoid being caught off guard in emergencies.
