Is there glass insurance in car insurance?
2 Answers
Vehicle insurance does not include vehicle glass insurance. Specific introduction: Glass insurance, also known as standalone glass breakage insurance, covers only the damage to the glass on the car (excluding sunroofs, headlights, and rearview mirrors). The insurance company will provide compensation according to the contract terms. However, glass breakage can also be covered under comprehensive car insurance, but only if the glass is broken due to a vehicle collision or natural disaster. Purchase details: Auto glass insurance is still available as an optional add-on after purchasing comprehensive car insurance. Auto glass insurance only provides compensation when the glass is damaged independently.
I'm the kind of person who enjoys delving into car insurance matters, and the glass insurance is a perfect example. In our auto insurance policies, there is indeed an option for glass coverage, but it's not automatically included in basic insurance types like compulsory insurance or vehicle damage insurance. You need to purchase it separately as an add-on, such as what's called 'glass breakage insurance.' It mainly covers accidental damage to car windows, windshields, and similar parts, like being hit by a stone or getting damaged by something in a parking lot. I have a relative whose car windshield got a hole; fortunately, they had bought glass insurance in advance, so the insurance company covered the repair costs, saving them a significant amount. However, the premium for this coverage comes out of your own pocket, possibly costing an extra hundred or so dollars a year, depending on your car's value and risk level. I think if you often drive on highways or frequent construction areas, glass insurance is quite worthwhile; if your driving environment is stable, you might as well save the money and skip it. The key is to carefully review the policy terms when buying car insurance, not overlooking these details, or confirm with customer service to avoid situations where you can't claim when accidents happen.
