Will Insurance Cover Accidentally Broken Car Glass?
2 Answers
If you have purchased standalone glass breakage insurance, the insurance company will compensate for the broken car glass. Currently, standalone glass breakage coverage only applies to the windshield and window glass of the insured vehicle. Damages to components such as headlights, rearview mirrors, or sunroof glass are not covered by the insurance company. Here are some car glass maintenance tips: Regularly inspect the wipers: Wipers are one of the primary causes of windshield damage. Over time, wipers can age, and if the wiper arm's end directly rubs against the windshield, it may not only fail to clean rainwater effectively but also scratch the glass. Clean the windshield: Always use designated windshield washer fluid, which contains components that dissolve grease and improve the glass's wetting interface, helping to maintain the glass. Avoid using the wipers when there are obstacles like snow, ice, mud clumps, or dried bird droppings on the glass, as this can damage the wiper blades, wiper motor, and the glass itself.
It depends on the specifics of your car insurance. Generally, comprehensive car insurance covers glass damage, provided the accident liability is clear, such as being hit by an object as an unexpected incident. You should take photos immediately to preserve evidence of the scene and contact your insurance company to file a claim. They will send an assessor to inspect the damage and determine the extent of the loss and the compensation amount. If you haven't purchased comprehensive insurance or only have compulsory traffic insurance, it's unlikely to be covered, and you'll need to pay for the repairs out of pocket. A common option is standalone glass breakage insurance as an add-on, specifically for glass damage. The premium is not expensive, and it's recommended to add it as it can save a lot of hassle. Replacing a windshield or sunroof could cost several hundred to a thousand yuan. With insurance, it might be fully or partially covered, depending on your policy details. Remember, if this happens while driving, don't panic—ensure safety first before handling the situation.
