Does Vehicle Damage Insurance Cover the Windshield?
2 Answers
If the windshield is broken alone, the vehicle damage insurance will not cover it. However, if the windshield is broken along with damage to the car body, then it falls within the coverage of vehicle damage insurance, and the insurance will compensate for the windshield. Vehicle Damage Insurance: Vehicle Damage Insurance refers to a type of commercial auto insurance where the insurer compensates the insured or their permitted driver for damages to the insured vehicle caused by an insured accident while driving the vehicle, within the appropriate scope. Methods for Determining the Amount: There are three methods to determine the insured amount for Vehicle Damage Insurance: determining the amount based on the purchase price of a new car, determining the amount based on the actual value at the time of insurance, or determining the amount through negotiation between the policyholder and the insurance company.
Seeing the topic of whether auto damage insurance covers the windshield, I have some firsthand experience to share. When I often help friends with car repairs, many car owners mistakenly assume that auto damage insurance covers all damages, only to regret it when their windshield shatters in an accident. Auto damage insurance primarily covers overall vehicle losses caused by collisions, natural disasters, or theft. However, since windshields are fragile and prone to separate damage, many standard policies exclude them unless the entire windshield is broken due to a major accident. I remember last month when I was helping Xiao Li check his car, the policy clearly stated that it only covered major collisions and did not include glass separately. I suggest everyone carefully read the terms before buying insurance and consult professionals; or directly add glass coverage or a comprehensive insurance package. Spending a little extra money can bring peace of mind, as driving with a broken windshield is unsafe and obstructs visibility, requiring prompt repairs—don’t wait until an accident happens to rush to the repair shop. Developing a habit of regular inspections while driving daily is key—prevention is always better than fixing problems after they occur.
