How to Claim Insurance for Broken Car Glass?
2 Answers
Only by purchasing glass insurance can you obtain compensation. In insurance accidents, glass breakage usually occurs along with damage to other parts of the vehicle. If it is the other party's fault, then the other party's compulsory traffic insurance and third-party liability insurance will be used for compensation. If the accident is your own fault, then as long as you have vehicle damage insurance, you can use it to compensate for your windshield. It depends on the size of the damage. If it is too large, file a vehicle damage claim once. If it is small, you can file a glass insurance or scratch insurance claim, or save it up and file a one-time claim at the end of the year.
As an experienced driver, I've encountered windshield cracks several times. To file a claim, you first need to check whether your policy covers glass damage - usually only separate glass insurance or additional clauses under comprehensive coverage include this. I recommend immediately taking clear photos of the damaged windshield with your phone, capturing both the crack location and surrounding environment to prove accidental damage. When reporting to the insurance company's customer service, have your policy number, ID card, and vehicle license ready - they may require you to visit their designated repair shop for assessment. Most importantly, don't move the car or attempt repairs yourself, as this could lead to claim rejection. The compensation amount depends on the glass type - original manufacturer glass and imported film usually qualify for higher payouts. The repair shop can handle the claim procedures for you to save trouble.
