Car window smashed by thief, how to handle insurance?
2 Answers
File a police report immediately. This insurance is an additional coverage to the vehicle damage insurance, and only vehicles already insured with vehicle damage insurance can purchase this additional coverage. The insurance company will conduct an on-site inspection to assess the damage. This means the insurance company is responsible for compensating for the insured vehicle during its use. Apply for a claim (if you have purchased separate glass breakage insurance). If the car window is maliciously damaged, the insurance company generally will not compensate. The claim will be processed within 3-10 days or according to the insurance company's specified date. The insurance company is responsible for compensating for the separate breakage of the vehicle's windshield and window glass.
Having driven for so many years, I've also encountered incidents like having my car window smashed. I remember that time when a thief stole something and left broken glass everywhere. The first thing to do is not to disturb the scene, take photos immediately to preserve evidence including the shattered glass and surrounding conditions to prevent the insurance company from suspecting anything. Second, report to the police right away to get an accident report; without this, claiming compensation would be much harder. Third, contact your insurance company, such as Ping An or PICC, as they have 24-hour hotlines to report the case; if you have comprehensive coverage, it usually includes glass damage but might charge you a few hundred yuan deductible. Luckily, that time I got compensated and the repair cost around a thousand yuan. It's advisable to always park in monitored areas and install anti-theft film—don't take safety lightly, it comes first. When repairing the car, you can go to a partnered repair shop to save hassle and avoid dealing with it yourself.
