Will the Insurance Company Compensate for Damaged Windshield?
2 Answers
Whether the insurance company compensates for a damaged windshield depends on whether you have purchased glass insurance and whether the glass insurance includes a no-deductible clause. If confirmed, you can call the insurance company to report the claim. If glass insurance is not purchased, compensation is possible in the same accident as long as the damage is not limited to the glass alone. Automobile windshields fall under separate breakage insurance, which covers the windshield or windows when they are shattered independently. General auto insurance requires comprehensive damage; if only the glass is broken without coverage, the insurance company will directly refuse compensation on the spot. If your windshield is damaged, stay calm, inspect other parts of the car first, and then check the insurance policy to see if glass insurance with a no-deductible clause was purchased. If confirmed, contact the insurance company directly. Analysis of Insurance Compensation for Automobile Windshield: If the accident is the other party's fault, their compulsory traffic insurance and third-party liability insurance will cover the compensation. If the accident is your fault, as long as you have vehicle damage insurance, it can be used to compensate for your windshield. If the damage is not caused by an accident, only glass insurance will provide coverage. If the damage is caused by someone else, you can directly seek compensation from the responsible party.
I previously filed an insurance claim when my windshield was cracked by a stone. The key is whether you have purchased vehicle damage insurance. Nowadays, vehicle damage insurance includes coverage for standalone glass breakage, so as long as it wasn't intentionally damaged by someone, it should be covered. However, it's important to take photos at the scene first and report the incident within 48 hours, otherwise the insurance company might dispute the claim. If the glass damage was caused by an accident, there's even less to worry about—just proceed with the claim directly. Remember to keep the repair receipts, as some companies require repairs to be done at designated shops. Paying out of pocket for a windshield replacement can cost at least a thousand, but with insurance, you only need to cover the 30% deductible, which can save you a lot of money. Note that glass tinting might not be covered, so it's better to clarify beforehand.
