Does car insurance include glass coverage?
3 Answers
Car insurance includes glass coverage, which is no longer an additional standalone option under vehicle damage insurance. Below is relevant information about car insurance: Introduction to car insurance: Compulsory traffic insurance, third-party liability insurance, vehicle damage insurance, standalone glass breakage insurance, spontaneous combustion insurance, no-deductible coverage, scratch insurance, seat liability insurance, full vehicle theft insurance, etc. Car insurance is divided into two main categories: compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is mandatory for every motor vehicle, while commercial insurance allows car owners to choose different types of coverage and additional riders based on their individual needs. Standalone glass breakage insurance: Standalone glass breakage insurance is an additional rider under car insurance. It covers situations where only the windshield or window glass of the insured vehicle is damaged, and the insurance company is responsible for compensation. If a vehicle insured with standalone glass breakage insurance experiences glass breakage during use, the insurer will calculate compensation based on the actual loss. Car owners can voluntarily choose to insure their vehicles with either imported or domestic windshield glass in consultation with the insurance company, and the insurer will assume corresponding insurance liabilities based on their selection.
I remember when I first bought my car, I was also confused about whether insurance included glass coverage. Later, I found out that standard auto insurance like compulsory traffic insurance and basic vehicle damage insurance don’t include it by default—it has to be purchased as an additional rider. Every time I visit the insurance company, they ask if I want to add glass coverage, especially if I frequently drive on highways or roads with lots of branches where glass is prone to damage. Once, my windshield was cracked by a flying stone, and without glass coverage, I had to pay out of pocket for the repair, which cost me over a thousand yuan. Since then, I always tick that extra option—though the premium is a bit higher, it gives me much more peace of mind. After driving for over a decade, I advise new car buyers to proactively clarify their options and not miss critical coverage like I did in my early days.
As a car enthusiast, I have a good understanding of car insurance. Auto insurance typically doesn't include specialized glass coverage by default—you'll need to add it as an extra clause when purchasing collision insurance or buy it separately. Different insurance companies vary significantly in their offerings—some bundle it in comprehensive coverage, while others require a standalone application. From my own road trip experience, with many loose stones along the way making windshields vulnerable, adding glass coverage saved me a lot of hassle. I often browse car owner forums to compare which insurers offer the most extensive and cost-effective policies. During maintenance visits, I've heard repair shops mention many customers regret not having glass coverage after bringing in damaged vehicles.
