Does comprehensive glass insurance cover full replacement at a 4S dealership?
2 Answers
You cannot directly go to a 4S dealership to replace the glass yourself. You must first report the claim to the insurance company. After an insurance adjuster arrives on-site to assess the damage, they will specify the replacement process. Follow the insurance company's customer service instructions for the replacement. Both the glass and labor costs will be covered by the insurance company, with no out-of-pocket expenses for you. Relevant details are as follows: 1. Function: The windshield provides a survival space for passengers. Upon impact and shattering, the glass breaks into small, blunt-edged fragments, minimizing harm to occupants. 2. Glass Type: Currently, most automotive windshields are made of laminated tempered glass or zoned tempered laminated glass, capable of withstanding strong impacts.
My car's windshield was cracked before, and since I had glass insurance, I went straight to the 4S shop to get it replaced. I remember the insurance covered the full cost at that time, but the key is to check your policy terms. Glass insurance usually covers all the expenses for replacing the windshield, including the cost of original parts, because 4S shops use genuine materials. However, some policies have a deductible—for example, mine had a 200 RMB out-of-pocket expense. I recommend calling your insurance company first to confirm whether your car is within the coverage period and what the deductible is. Don’t worry, getting it repaired at a 4S shop is more reliable, as the quality is guaranteed, and it helps prevent water leakage issues. In short, as long as you have the right insurance, just remember to bring your policy for reimbursement.
