Will the insurance company compensate for a smashed car window?
3 Answers
Here are the specific details regarding insurance compensation for smashed car windows: Procedure for the vehicle owner when the car is smashed: If a parked car is vandalized, it is generally necessary to report the incident to the traffic police or local police station to obtain relevant documentation. Insurance company's compensation method: If the insurance company requires an on-site inspection, you must cooperate with them. In this case, the damage involves the car lights and windows, which are not covered under the standalone glass breakage insurance. These losses are compensated under the comprehensive vehicle damage insurance. Additionally, if the third party cannot be identified, compensation is typically 70% or 50%. You will also need to sign a subrogation agreement, allowing the insurance company to pursue the third party for liability. Compensation scope: Generally, in insurance claims, glass breakage usually occurs alongside damage to other parts of the vehicle. This means that for the glass breakage to be covered under the comprehensive vehicle damage insurance, there must also be damage to other parts of the car body besides the glass.
I've been driving for over a decade. I remember one time when I parked my car by a roadside supermarket and came back to find the side window smashed and my belongings scattered everywhere. I immediately called the police, and after they issued a report, I contacted my insurance company. Since I always had comprehensive coverage, they covered the repair costs, but I had to pay a 500-yuan deductible. This experience taught me to always park in well-lit areas and not skimp on parking fees, and to never overlook the glass coverage in my insurance policy. Now, whenever I park, I always choose spots with surveillance cameras to avoid trouble. The repairs cost over 2,000 yuan at the time, but the insurance coverage made it much easier to handle. I advise fellow drivers to regularly check their insurance policies to ensure they're covered for vandalism, and if something does happen, stay calm and handle it step by step.
Not long after I got my driver's license and bought a car, the rear window was smashed while parked outside my neighborhood, with glass shards scattered everywhere, which really startled me. I immediately called my insurance company and was told that only comprehensive coverage would reimburse such damages, and I needed to file a police report first to get a case record. I followed the steps, took photos as evidence, and later an insurance adjuster came to assess the damage and processed the reimbursement. As a novice, I used to skimp on premiums, but now I understand the importance of choosing full coverage, including clauses for glass damage. When parking, it's best to avoid isolated spots and choose busy, well-populated areas to prevent such incidents, saving myself from costly repairs and regrets.
