Is the Windshield Covered by Insurance?
3 Answers
It depends on the type of insurance coverage. If you have comprehensive glass coverage, you can file a claim for damage. Below is some relevant information about windshields: 1. Introduction to Windshields: Windshields were invented in the 1920s when Ford had the idea of sandwiching two pieces of glass with a layer of PVC plastic in between, creating a laminated glass structure. This technology is still in use today. 2. Precautions for Windshield Repair: After replacing the glass, avoid washing the car for two days and try to drive on smooth roads. Before repairing the car glass, thoroughly clean any dirt from the windshield. It is advisable to carefully choose cleaning agents and related products. The defroster should be turned off after 5-10 minutes of use to prevent potential cracking or damage to the rear windshield.
As someone who frequently drives long distances, I always worry about the windshield suddenly cracking from a stone. Is windshield damage covered by insurance? It depends on your insurance type. If you only have basic compulsory traffic insurance, it definitely doesn't cover it, as it only covers accident liability. But I recommend getting vehicle damage insurance with an additional glass breakage clause, which can cover such accidents at a low cost of just a few hundred yuan per year. Don't underestimate this small amount - there are many flying stones on highways, and a cracked windshield could cost thousands to replace, compromising safety and wasting money. A friend of mine didn't have this coverage last time and had to pay out of pocket for repairs, which wasn't worth it. In short, check your policy or ask your insurer to make sure you have glass coverage, so you can drive with peace of mind.
When I first got my driver's license, I was naive and thought all insurance policies covered everything. Windshield damage included? Not necessarily. I once had a crack in my residential area, but the insurer said they wouldn't cover it without separate glass coverage. Later I wised up—just spend a little extra for add-on glass protection. With so much competition among auto insurers now, you can compare quotes from multiple companies. Don't just look at price; scrutinize the policy terms carefully. Especially if you live in suburban areas where roadside pebble hazards are common. I recommend checking your windshield condition during regular maintenance—prevention is better than cure.