Should I claim insurance or repair it myself for a broken windshield?

[LeCora]

It is recommended to claim insurance for a broken windshield, provided that the owner has purchased separate glass breakage insurance. Only then can the claim be filed, and the insurance company will compensate according to the contract terms. Additionally, if the owner has purchased vehicle damage insurance but not glass insurance, and the windshield is damaged due to a traffic accident with other parts of the vehicle also affected, the insurance company is required to cover the compensation. Separate glass breakage insurance is an additional coverage in auto insurance, which refers to situations where only the windshield and window glass (excluding headlights and mirrors) of the insured vehicle are damaged, and the insurance company is responsible for compensation. During the insurance period, if the insured vehicle's windshield or window glass is broken while in use, the insurer will compensate based on the actual loss. The policyholder can voluntarily choose to insure with either imported or domestic glass through negotiation with the insurer, and the insurer will bear the corresponding insurance liability based on the selection.