Will the insurance company compensate for a smashed car window?
3 Answers
Regarding the compensation method for a smashed car window by the insurance company, the details are as follows: 1. Measures for the car owner when the car is smashed: If the car is smashed while parked, it is generally necessary to report to the traffic police or local police station for handling and obtaining relevant proof. 2. Insurance company's compensation method: If the insurance company requires an on-site investigation, you should cooperate with them. In this incident, the damage involves the car lights and glass, which is not covered under the standalone glass breakage insurance. These losses are compensated under the car damage insurance. Moreover, in cases where the third party cannot be identified, compensation is usually provided at 70% or 50%. Additionally, a rights transfer agreement must be signed, allowing the insurance company to pursue liability against the third party. 3. Scope of compensation: Generally, in insurance incidents, glass breakage often occurs alongside damage to other parts of the vehicle. This means that for the glass breakage to be covered under the car damage insurance, there must be damage to other parts of the car body besides the glass.
Last time my car window was smashed by a thief, and the insurance company actually paid out after I filed a report. The key is to check what type of insurance you bought! If you only have compulsory traffic insurance, then forget about it—you need commercial insurance that includes vehicle damage coverage. Nowadays, vehicle damage insurance usually includes glass coverage, but it's best to double-check the policy terms before purchasing. Remember to call 110 first to get a police report receipt, and contact the insurance company within 48 hours for damage assessment—don’t tamper with the scene yourself. However, be aware that many companies won’t cover personal belongings lost in the car, like the laptop I had stolen—I had to swallow that loss. The most frustrating part was that my premium increased by over 800 yuan the following year, so for minor damages, it might be cheaper to just pay for repairs yourself.
As a decade-long auto insurance claims adjuster, I recommend focusing on the 'separate glass breakage coverage' item in your policy. After the 2020 auto insurance reform, most comprehensive coverage now includes glass protection. For claims, you'll need three documents: the police report receipt from traffic police or local station, vehicle registration, and policyholder's ID. If your car was damaged in a paid parking lot, remember to obtain compensation proof from the parking facility - insurers will pursue third-party recovery in such cases. Important note: Modified bulletproof glass requires quality certification, otherwise claims may be denied. In my experience, 30% of claim rejections stem from this issue.
