Will Insurance Cover Broken Car Glass?
2 Answers
Whether insurance covers broken car glass depends on whether the vehicle has a separate glass breakage insurance policy. If not, the insurance company will not compensate for glass breakage alone. Glass breakage insurance is an additional auto insurance coverage that specifically covers the windshield and window glass when they break independently. However, it's important to note that insurance companies do not cover the following situations: loss of glass film, sunroof glass, logo damage, the price difference when insuring imported glass as domestic, loss of additional equipment, or glass breakage during repairs. Car glass is an essential part of the vehicle's body attachments, primarily serving a protective function. There are three main types of car glass: laminated glass, tempered glass, and regional tempered glass, all of which can withstand strong impacts.
Last time my car was parked on the roadside and someone smashed the window, so I immediately called the insurance company. They said it depends on the specific insurance terms, and that most auto damage insurance after the reform includes separate glass breakage coverage, but I needed to take photos as evidence first. I took panoramic shots of the broken glass and close-ups of the license plate on the spot, then went to the police station to get a vandalism report. In the end, the assessment covered the full cost of 2,800 for the original factory glass replacement. The key is not to move the car randomly and to preserve the scene evidence, otherwise it could be troublesome if disputes arise. If you only have compulsory traffic insurance, you’re out of luck—it doesn’t cover glass damage at all.
