Will insurance cover the cost if a car window is smashed by a tree branch?
2 Answers
Generally, insurance companies do not cover the cost if a car window is smashed by a tree branch. Here are specific situations where car insurance may not provide compensation: 1. Unlicensed or without temporary license: If the vehicle is unlicensed or the temporary license has expired during the time of the incident, the basic car insurance policies explicitly state that unless otherwise agreed, the insurance company will not compensate for any damages if the vehicle does not have a valid license plate, temporary license plate, or temporary movement permit issued by the traffic management department of the public security authority at the time of the accident. 2. Failure to pass or conduct annual inspection within the stipulated time: Vehicles that have not passed the annual inspection or have not undergone the inspection on time are not legally allowed on the road. The insurance policy's exemption clauses specify that damages incurred while driving a vehicle that has not undergone mandatory safety technical inspection within the required period or has failed the inspection will not be compensated by the insurance company. 3. During vehicle repair: Damages incurred during the inspection, repair, or maintenance of the vehicle are not covered by the insurance company. The reason is that the insurance company considers the repair shop responsible for the safekeeping of the vehicle, and any theft or damage to the vehicle is deemed the fault of the repair shop.
If your car window is hit by a tree branch, it is generally covered by insurance. The key is to check what type of insurance you have purchased. If you have comprehensive insurance or a separate glass breakage coverage (which is an add-on), such incidents are usually covered. Having driven for many years, I’ve seen similar cases: after reporting the incident, the insurance company will require photos and details of the damage, such as pictures of the damage and the time and location. They will then arrange for the glass to be replaced at a designated repair shop, which is quite convenient. However, the policy may have a deductible, meaning you’ll need to pay a small portion out of pocket. Additionally, if you don’t have glass coverage, comprehensive insurance can still cover it, but it’s better to spend a little extra for the add-on coverage for peace of mind. Damaged glass should be fixed promptly, as wind or rain/snow can allow water to enter the car, affecting driving safety. Make it a habit to park away from trees, especially in bad weather. Remember to review your insurance policy carefully to avoid panic when an incident occurs.
