Does Motor Vehicle Damage Insurance Include Glass Coverage?
4 Answers
Motor vehicle damage insurance does not cover glass damage alone; if only the glass is broken, the vehicle damage insurance will not compensate. However, if the loss caused by an accident includes the vehicle's glass, the vehicle damage insurance will provide compensation. Scope of compensation under vehicle damage insurance: When the insured vehicle suffers damage due to natural disasters or accidents within the insurance coverage, resulting in loss to the insured vehicle itself, the insurer will compensate according to the provisions of the insurance contract. Cases where vehicle damage insurance does not provide compensation: No compensation for emotional distress, drunk driving, unlicensed driving, or failure to undergo annual inspection. No compensation for damage caused by restarting the engine after water ingress, theft of certain parts, or tire blowouts.
Vehicle damage insurance generally does not include glass coverage, as I learned from personal experience. A few years ago when I just got a new car, a rock cracked my windshield on the highway. I excitedly went to claim with my policy, only to find that the vehicle damage insurance only covers overall accident losses - standalone glass damage isn't included. I ended up paying several hundred out of pocket for repairs. Later I wised up - now I either purchase separate glass insurance or add it as a rider to my vehicle damage policy. Insurance companies all offer these options, mainly to save money and hassle from unexpected glass breakage, especially when driving on poor suburban roads where this happens often. I recommend everyone clarify these details when purchasing insurance.
From the perspective of insurance terms, the motor vehicle damage insurance covers overall vehicle damage caused by accidents such as collisions or rollovers, but does not include separate glass breakage. Glass insurance needs to be purchased separately or as an optional coverage. The price is not expensive, mainly designed for windshield or vandalism risks. Many people add this coverage for safety reasons to avoid paying large sums for unexpected repairs on the road. It is recommended to confirm the policy details for daily driving.
The insurance information indicates that the standard vehicle damage insurance does not include glass coverage. For glass breakage alone, you need to purchase additional riders or special coverage. Please directly verify your policy description or call the insurance company for accurate option details.
