Will the windshield be covered if I add glass insurance after it was cracked by a flying stone?
3 Answers
The windshield will not be covered if you add glass insurance after it was cracked by a flying stone. Below is relevant information about car insurance: 1. Compulsory Traffic Accident Liability Insurance: This is a mandatory insurance that all car owners must purchase. The only drawback is that the compensation amount is relatively small. 2. Third-Party Liability Insurance: This insurance serves as a supplement to the compulsory insurance. Both provide compensation to third parties, but the payout depends on the policyholder's level of responsibility in the accident. Many auto insurance contracts include deductible clauses where the insurer is exempt from paying under certain conditions. 3. Vehicle Damage Insurance: This covers damage to your own vehicle, but not all damages are covered. For example, standalone damage to the windshield, side mirrors, or tires (including rims) is not covered. Additionally, damages caused by earthquakes, drunk driving, or hit-and-run incidents are also not covered by the insurance company.
When it comes to a cracked windshield caused by a stone, I recommend checking your current insurance policy immediately because glass coverage must be purchased before the incident occurs to cover future damages. Since this event has already happened, adding insurance now won’t provide retroactive compensation. Glass coverage is typically an add-on that needs to be purchased and activated in advance to protect against incidents like flying rocks on the road. If you don’t repair it this time, the crack may expand and affect driving safety—I’ve personally seen a friend pull over on the highway for emergency repairs, which was quite dangerous. The solution is to get it professionally repaired or replaced as soon as possible, which is affordable, costing anywhere from tens to hundreds of dollars. Next time you renew your insurance, ask your provider about the details of glass coverage to ensure it includes windshields—it’s a very common add-on. Avoiding construction zones while driving can also help reduce the risk.
Hey, I've been there too. Only thought about getting insurance after the windshield cracked, right? Let me tell you, adding glass coverage now won't cover this existing crack because insurance only covers future risks. I've checked the rules - the glass coverage needs to be active before the damage occurs. Otherwise, everyone would just buy insurance after something happens, and the companies would go bankrupt. Right now, you should address the windshield immediately. Small cracks can be repaired for just a few dozen bucks, and a full replacement only costs a few hundred. Don't wait until it spreads - that'll be more troublesome and expensive. When you do get insurance later, check the policy details. Some include windshield coverage as an add-on for about a hundred bucks extra per year - totally worth it. Remember, insurance is about prevention. My experience tells me: don't wait until an accident happens to think about buying coverage.
