Does Vehicle Damage Insurance Cover Glass Damage?
2 Answers
Vehicle damage insurance does not cover glass, specifically in cases of glass breakage without accompanying damage. The insurance will not compensate for such incidents. Relevant explanations are as follows: 1. Reason: The insurance terms for vehicle damage clearly state exclusions: standalone glass breakage, body scratches without obvious collision marks, standalone damage to sunroofs and rearview mirrors; the insurance company is not responsible for compensation. If you want the insurance company to cover standalone glass breakage, you can purchase an additional coverage: standalone glass breakage insurance, after buying the basic insurance. 2. Special circumstances: If the insured glass is domestic but replaced with imported glass during repairs, the price difference must be borne by the vehicle owner. Glass breakage during the repair process is not covered. The standalone glass breakage insurance explicitly states in its terms: glass breakage caused during the installation or repair of the vehicle is excluded from coverage.
I often receive this question from car owners. In fact, car damage insurance and glass insurance are separate. Standard car damage insurance usually does not cover compensation for standalone glass damage. Glass insurance is an additional coverage that requires extra payment. For example, if a stone cracks your windshield, having only car damage insurance might not cover it—it depends on whether you opted for standalone glass breakage coverage. Here's a catch: if an accident causes both body damage and glass breakage, car damage insurance can cover both. But if it's purely glass damage without the additional coverage, you'll have to pay for repairs yourself. For owners who park in poor conditions or frequently drive on highways, spending a couple hundred yuan to add this coverage is quite cost-effective.
