Does Motor Vehicle Damage Insurance Include the Windshield?
3 Answers
Comprehensive vehicle damage insurance does not include windshield coverage. Damage to the windshield in an accident is generally covered under the vehicle damage insurance. Below is an introduction to the relevant content: Vehicle Damage Insurance: Vehicle damage insurance is a type of commercial auto insurance where the insurer compensates within reasonable limits for damage to the insured vehicle caused by an accident while the insured or an authorized driver is operating it. Scope of Vehicle Damage Insurance Coverage: The insurer is responsible for compensating for losses to the insured vehicle caused by the following reasons while the insured or an authorized driver is using it: collision, overturning, falling, fire, explosion, spontaneous combustion (requires separate spontaneous combustion coverage), etc.
As a veteran driver with years of experience, I've had my windshield cracked by a flying stone. Initially, I mistakenly thought that comprehensive car insurance would cover damage to all car components. However, during repairs, I discovered that standard comprehensive insurance typically only covers whole-car damage caused by accidents, collisions, or natural disasters. If your windshield is damaged alone without accompanying other accidents, insurance companies generally won't cover it. Now, every year when renewing my policy, I remind myself to check the details of the insurance contract. I suggest you ask your insurance company more questions, because adding separate glass breakage coverage usually addresses this issue. This can prevent unexpected out-of-pocket repair costs. Last time my glass broke, it cost me several hundred dollars, and I regretted not being prepared in advance. In short, insurance matters require careful attention.
When I bought my first car, I was also worried about whether the insurance was comprehensive, especially for vulnerable parts like the windshield. By checking the policy terms and consulting friends, I learned that the basic vehicle damage insurance covers damages caused by collisions or fires, but for glass breakage alone (e.g., from a flying stone), you need to purchase additional glass coverage. I’ve developed a habit of reviewing the coverage details before signing any insurance policy or simply opting for a full-coverage package just in case. If you’re unsure, I recommend checking the insurer’s online policy details or calling their customer service to confirm. It’s always better to be safe than sorry—don’t skimp on insurance premiums to save a little money.
