Does Vehicle Damage Insurance Include Glass Insurance?

[Gama]

Vehicle glass insurance generally does not apply to the various deductible rates and deductible amounts specified in the main insurance. Vehicle glass insurance is an additional coverage to vehicle damage insurance, and the actual premium is not high. For comprehensive protection of the vehicle, it is advisable to add vehicle damage insurance, especially if the vehicle has expensive imported glass. Here is additional information: 1. Insurance Tips: Purchasing standalone glass breakage insurance is like buying insurance for your car's "face," which is very important. Therefore, standalone glass breakage insurance is also a very commonly used type of additional coverage. Many car owners habitually think that standalone glass breakage falls under the scope of vehicle damage insurance. In fact, if you file a claim with the insurance company without having purchased standalone glass breakage insurance, you will not be compensated. 2. Notes: The so-called standalone glass breakage insurance means that if the vehicle's windshield or window glass breaks independently while the vehicle is parked or in use, and no other parts are damaged, the insurance company will be responsible for compensation.

[DelKaylee]

Last time I bought car insurance, I also thought about this. The vehicle damage insurance covers damage to the car body caused by accidents, such as collisions or theft, but it doesn’t cover broken glass unless you pay extra for glass insurance. Once, my friend’s car window was hit by a stone, and he thought the vehicle damage insurance would cover it, but he found out he hadn’t purchased glass insurance and had to pay for the repair himself. I suggest everyone carefully review the insurance policy before buying car insurance—don’t just look at the price; make sure to check what additional coverage is included. Nowadays, many insurance companies offer standalone glass insurance options, which aren’t expensive—just a few hundred yuan a year—and can cover damage to the front and rear windshields as well as the side windows. If you often drive on highways or park in poor conditions, it’s definitely worth it. After all, replacing a single piece of glass can easily cost over a thousand yuan, so it’s good to have peace of mind. Oh, and regular maintenance to check your vehicle’s condition can also prevent small issues from turning into big ones.

[AniyahFitz]

As a seasoned driver with decades of experience, let me tell you that auto damage insurance indeed does not cover glass breakage. It only covers body damage caused by accidents or external forces, while standalone glass breakage falls under the glass insurance category. I remember one time when I was driving late at night and a flying stone shattered my windshield—if I hadn't purchased additional glass insurance, I would have had to pay thousands in repair costs out of pocket. Nowadays, I pay extra attention to road conditions, especially during rain or snow when glass is more vulnerable. When buying insurance, carefully review the coverage details—don't be careless, as sometimes cheaper packages hide pitfalls. If you're on a tight budget, consult a broker to find a suitable combination; glass insurance add-ons are usually reasonably priced. Also, park in safe locations to minimize accidents. Regular vehicle inspections and ensuring your insurance is valid are all part of road safety measures.

[VonKeira]

I have two cars at home, so I often research insurance. The vehicle damage insurance itself does not include glass coverage unless you purchase it separately. Vehicle damage insurance covers accidents like collisions, while glass breakage is usually covered by a separate policy. It's recommended to clean up garage clutter every quarter and avoid stacking hard objects to prevent accidental glass damage. After receiving your insurance policy, take some time to review the details or use the mobile app for a quick check. If you haven't purchased glass coverage, replacing glass can be very expensive, especially for rearview mirrors, which are quite fragile. Through discussions with friends, I found that many new car owners are unaware of this and advised them to consult their insurance company's customer service before any incidents occur. Safe driving habits can reduce risks, and remember that insurance is a safety net, not a universal solution.