Can Windshield Damage Be Claimed Under Auto Damage Insurance?
2 Answers
Whether the front windshield can be claimed under auto damage insurance depends on whether the owner has purchased auto damage insurance. Coverage of Auto Damage Insurance: Auto damage insurance refers to the insurer being responsible for compensating for accidents or natural disasters (excluding earthquakes) that occur while the insured or their permitted driver is using the vehicle during the coverage period. If situations specified in the insurance contract occur, such as the insured or their permitted driver driving without a license or under the influence of alcohol, the insurer may be exempt from liability. Recommended Groups to Purchase Auto Damage Insurance: Beginners, new cars, and high-value vehicles: For beginners, the likelihood of accidents is higher due to less proficient driving skills. Owners of new cars generally cherish their vehicles and worry about significant damage from accidents, so both beginners and new car owners are advised to purchase auto damage insurance for protection. High-value vehicles usually have higher repair costs than ordinary vehicles. To avoid unaffordable high repair costs from accidents, purchasing auto damage insurance helps mitigate this risk.
Regarding whether windshield damage can be claimed under auto damage insurance, as an ordinary car owner, I have some experience. Typically, auto damage insurance covers accidental damages including glass breakage, such as from flying stones or accidents, but this depends on the specific policy terms. Some insurance companies offer separate glass coverage or have deductibles. It's best to check your insurance contract or call your insurer directly for clarification. Here's a tip: avoid driving too close to large vehicles on highways to reduce the risk of flying stones. When filing a claim, promptly take photos and provide repair estimates to ensure a smooth process.
