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Will insurance cover a windshield crack caused by a stone?

2 Answers

LaHector

07/23/25 8:24pm

No compensation will be provided. If only the windshield is broken and no other parts of the car are damaged, the owner must have purchased auto glass insurance for the insurance company to be responsible for compensation. If both the glass and other parts of the car are damaged in an accident, the car damage insurance can cover the cost. Therefore, having only car damage insurance is not enough to receive compensation. The process of car insurance claims: 1. In case of personal injury, report the incident: If there is personal injury, first report the incident and send the injured to the hospital. Specific matters will be analyzed in detail. Most importantly, keep all hospital receipts ready, as the insurance company will need copies for reimbursement. Without these, the insurance company will not reimburse. 2. If the other party is at fault, go to their insurance company for assessment: If the other party is fully at fault, you can go to their insurance company for assessment. Your second compulsory insurance will not increase. 3. If you are at fault, report the incident: In case of a two-party accident where you are fully at fault, report the incident and go to the insurance company or assessment center with the other party for assessment. 4. Repair the car: Each party repairs their own car. The other party should give you the repair list and invoice. You can pay them directly or reimburse through the insurance company before paying them.

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Tricia

08/10/25 6:21pm

Last time my windshield cracked, I specifically asked my insurance agent friend. The key is whether you have purchased glass insurance or the current reformed comprehensive vehicle damage insurance. If you didn't buy standalone glass breakage coverage under the old insurance system, you couldn't file a claim. Nowadays, most comprehensive vehicle damage insurance includes glass coverage, but pay attention to crack size – cracks smaller than 25mm are usually recommended for repair rather than full replacement, otherwise next year's premium increase might cost more than the repair. Remember to take photos as evidence before contacting your insurer – they'll direct you to authorized repair shops. I filed my claim through the app and it took just ten minutes, but OEM windshield replacement at a 4S shop costs around two thousand yuan while local repair shops can install Fuyao glass for just a few hundred, offering much better value for money.

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