Will insurance cover a car windshield shattered by a stone?
2 Answers
If the windshield damage is not caused by a traffic accident, the insurance company will not compensate for it. More extended information is as follows: 1. Overview: Vehicle insurance, also known as motor vehicle insurance or auto insurance, refers to a commercial insurance that covers personal injury or property damage caused by natural disasters or accidents to motor vehicles. 2. Others: Auto insurance is a type of property insurance. In the field of property insurance, auto insurance is a relatively young type of insurance. In the early stages of auto insurance, the main coverage was third-party liability insurance for vehicles, gradually expanding to risks such as collision damage to the vehicle body.
I've been driving on the road for over 20 years and have encountered windshield shattering by stones several times. Generally speaking, whether insurance covers it depends on your policy type. If you have comprehensive insurance, such as compulsory traffic insurance plus commercial full coverage, the windshield damage is usually covered as it's a common accident loss. However, if you only have the most basic compulsory insurance or third-party liability insurance, your own vehicle damage isn't covered, and you might have to pay for repairs out of pocket. When claiming, promptly contact your insurer, provide photos and accident proof, and they'll arrange repairs or replacement. Replacing it can cost anywhere from a few hundred to several thousand yuan, affecting safety. I always remind friends to regularly review their insurance options to avoid accidents while driving. Insurance terms often mention 'standalone glass breakage coverage,' specifically for such incidents. Adding this basically ensures peace of mind, though it means paying slightly higher premiums for that security.
