Does Car Insurance Include Glass Coverage?
2 Answers
Car insurance typically does not include glass coverage. Glass coverage is an additional insurance that can be added to the vehicle damage insurance, and it can only be purchased on top of the vehicle damage insurance. Glass coverage, also known as glass breakage insurance, is a type of commercial insurance where the insurance company is responsible for compensating the insured vehicle for losses due to glass breakage during use. Glass breakage refers to damage to the windshield and window glass (excluding headlights and mirror glass) of the insured vehicle. The insurance company does not cover damages to lamps, mirror glass, or glass breakage that occurs during installation or repair of the vehicle. Other exclusions include losses from glass film, sunroof glass damage, label damage, the difference in cost between imported and domestically insured glass, damage to additional equipment, and glass breakage during repairs. When filing a claim, it is necessary to report the incident within 48 hours of the occurrence. Provide relevant policy information, such as the policy number, insured party name, license plate number, vehicle model, and color. Additionally, details of the incident should be provided, including time, location, people involved, cause, process, and outcome. Most vehicles are typically covered by vehicle damage insurance. If the vehicle is involved in an accident that also results in glass damage, the vehicle damage insurance may cover the loss, including the glass. However, if only the glass is damaged, the vehicle damage insurance does not provide coverage.
As a veteran driver with over 20 years of experience, I must say car insurance usually doesn't automatically include glass coverage - it's an optional add-on. I remember once on the highway when a stone cracked my windshield. I assumed it was covered, only to find out during claims that I hadn't purchased glass insurance, costing me nearly a thousand yuan out of pocket for replacement. Now I always remember to add it when buying insurance, especially windshield coverage, which is ideal for frequent long-distance drivers. Glass insurance offers many benefits, covering accidental breakage from highway debris or minor accidents, providing both peace of mind and cost savings. The premium increase is minimal, but its value becomes apparent during repairs. I recommend carefully reviewing policy terms to avoid early mistakes like mine, and paying attention to different coverage combinations to ensure comprehensive protection.
