Does Motor Vehicle Damage Insurance Include Glass Coverage?
3 Answers
Motor vehicle damage insurance includes glass coverage. After the auto insurance reform, the vehicle damage insurance not only covers glass insurance but also includes theft insurance, water damage insurance, spontaneous combustion insurance, inability to find a third party, and no deductible additional insurance. Coverage Scope: Motor vehicle damage insurance generally covers vehicle losses caused by collisions, falls, spontaneous combustion, fires, explosions, storms, heavy rain, mudslides, landslides, etc. It also covers necessary and reasonable rescue expenses paid by the insured to prevent or reduce the loss of the insured vehicle after an insurance incident. The insurance company is responsible for claims within the coverage scope. Important Notes: Glass film is not covered; logo damage is not covered; additional equipment damage is not covered; damage during glass installation or vehicle repair is not covered.
I just handled my own auto insurance claim. After the 2020 reform, the auto damage insurance indeed covers separate glass breakage, such as when your windshield gets cracked by a stone on the highway. However, note that it must be an accident that occurs while driving; if your car is parked in the community and someone breaks it intentionally, it doesn't count. Additionally, sunroof glass is also included, but separate breakage of rearview mirrors and car light glass is not covered. Remember to choose an authorized glass repair shop when getting it fixed, and it's best to keep photos of the accident scene to facilitate the claim. The price difference for glass varies greatly among different car models. For example, replacing an original glass for my SUV cost 1,800 yuan, but fortunately, the insurance covered it.
Last week, my neighbor's car was parked when a branch fell and cracked the windshield, leaving them stomping in frustration. Nowadays, auto damage insurance does include glass coverage, but the key lies in the nature of the incident. If the damage is caused by natural disasters or occurs during normal driving, it's covered. However, glass damage resulting from vandalism or theft falls under the theft insurance category. Here's a small but crucial detail: if only the glass is damaged, you must specifically report it as 'glass breakage' to get 100% compensation. Reporting it alongside body damage means deductibles from the auto damage insurance will apply. Long-time car owners should pay extra attention to the windshield's seal—untreated cracks can lead to leaks during heavy rain.
