Will insurance cover a windshield cracked by a stone?
2 Answers
No compensation will be provided. If only the windshield is broken without damage to other parts of the car, 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 the accident, the car damage insurance can cover the cost. Therefore, having only car damage insurance is not enough to receive compensation. Here is additional information: 1. In case of personal injury, report the incident: In the event of personal injury, first report the incident and send the injured to the hospital. Specific matters should be analyzed case by case. Most importantly, keep all hospital receipts ready, as the insurance company needs them for records. 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 own 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. Car repair: Each party repairs their own car. The other party should provide you with the repair list and invoice. You can either pay the other party directly or reimburse through the insurance company before paying them.
I just went through this last year! That day on the highway, there was a loud crack, and the windshield developed a spider-web crack. I immediately contacted my insurance company and learned that after the reforms, the auto damage insurance now includes glass coverage (but remember to check if it's separately selected on your policy). However, be aware: if only the glass is broken with no other damage, having only third-party liability insurance won't cover it. During my claim, I found out there are options for domestic or imported glass, with a significant price difference. Make sure to check your original factory glass brand before the damage assessment to avoid disputes. Lastly, I recommend going directly to an authorized dealership for replacement—their sealing process is much better than roadside shops, preventing leaks during rainy days.
