Does Vehicle Damage Insurance Include Glass Coverage?
3 Answers
Vehicle damage insurance does not cover glass, to be precise, it does not cover situations where only the glass is broken. However, if the glass is broken along with other damages to the vehicle, the vehicle damage insurance can still provide compensation. The insurance terms for vehicle damage insurance clearly specify the exclusions: standalone glass breakage, body scratches without obvious collision marks, and standalone damage to sunroofs and rearview mirrors; the insurance company is not responsible for compensation. Additional Information: Compulsory Traffic Accident Liability Insurance: This is a mandatory insurance that every vehicle owner must purchase as required by law. It provides the most basic insurance coverage in the event of a traffic accident. Once a traffic accident occurs, this insurance can help the owner cover the economic compensation that would otherwise be difficult to pay. The compensation amount is determined based on the owner's liability proportion in the accident and whether it caused personal injury or death. Vehicle Damage Insurance: This insurance covers situations where the insured or an authorized driver causes damage to the insured vehicle during an accident, and the insurance company will provide compensation within a reasonable range. The premium for vehicle damage insurance is largely related to the purchase price of the vehicle and the number of seats.
I've been driving for many years and have dealt with insurance claims several times. The vehicle damage insurance mainly covers major losses like accident collisions, fires, and theft, but glass insurance is usually a separate add-on and not included in the basic vehicle damage insurance. This means that the vehicle damage insurance can cover a windshield cracked due to an accident, such as if your glass shatters when rear-ended, it will pay; but if it's just a crack caused by a flying stone on the highway, the vehicle damage insurance won't cover it, and you'd need to purchase the glass add-on insurance separately. Many friends try to save a little money by not adding glass insurance, only to end up spending thousands on glass repairs later, which they deeply regret. Nowadays, new policies sometimes bundle it for better value, but it all depends on the specific policy terms. I suggest asking the customer service for details when buying car insurance, don't just gamble blindly. Regularly check your premium statements, and if you find it's not cost-effective, adjust it early—safety on the road comes first.
I just bought a car last year and naively thought the vehicle damage insurance covered everything. Later, after consulting an expert, I learned that vehicle damage insurance covers collision-related losses, like if you crash into a tree and the car is totaled, it will pay out. But the glass insurance is an add-on product specifically designed for standalone glass damage, such as when your car is parked by the roadside and gets hit by an unknown object—basic vehicle damage insurance won’t cover that unless you pay extra for the glass insurance add-on. As a newbie, I now understand this and carefully review the additional clauses on my premium statement every time. You’ve got to be smart about buying insurance—don’t wait until something happens to regret it. Research tips online to save on premiums while getting more coverage. For long highway drives where the risk of flying stones is high, adding glass insurance is definitely worth it.
