The window glass is cracked or broken. Can insurance be compensated? Are windshields, four-car windows, and roof sunroofs belong to different claims items? Today, let’s make clear the damage to the car window glass!
Who will compensate for the damage to the car window glass?
1. Unilateral accident
The owner drove at night, but he was not observing and hitting an obstacle, causing the windshield to crack.
Before the comprehensive reform of auto insurance in September 2020, the losses of sunroof and reflector glass can be claimed through the main insurance of vehicle damage insurance. The glass around the body needs to be damaged separately. The additional insurance " glass alone breaking insurance " before insurance claims can be made. After the reform of
, the glass breakage insurance was incorporated into the main insurance of vehicle damage insurance, and the damage to the front and rear windshields, windows, sunroofs and other components will be directly compensated through the vehicle damage insurance.
2, Accidents between both parties or multiple parties
When there are two or more parties in the accident and are accidents caused by two or more parties, this type of accident belongs to both parties or multiple parties.
The car owner only caused damage to the window glass in multiple accidents. The claim is handled according to the traffic liability certification letter issued by the traffic police. If both parties are responsible, the other party will first compensate through compulsory traffic insurance. The other party's commercial third-party liability insurance and his own vehicle damage insurance will be compensated according to the accident liability ratio .
The specific compensation amount is determined by the insurance amount when insured car loss insurance and the actual vehicle loss (repair cost):
compensation = actual repair cost - the amount of compensation that the insured has obtained from the third party - absolute deductible
If a traffic accident occurs between the parties involved in minor collisions and accident liability, causing damage to the window glass of the vehicle. After the damage is determined, it is determined that the property losses of both parties will not exceed 2,000 yuan. car owners can go to the insurance company they insured to handle the " mutual collision self-compensated compensation " claim procedures for compulsory traffic insurance within 2,000 yuan, and do not have to contact the other party's insurance company to make a claim according to the conventional "match and mutual compensation".
3, The glass is damaged when parking
When the community parking space is occupied by the car owner and there is no unified property management, if a flower pot falls from the sky or other objects fall from high altitudes and smashes the window glass, the car owner does not promptly find out which owner is responsible for it, and the property owner is not responsible for it, what should he do?
No matter whether it is parked on the roadside or in the community, as long as is not a paid parking space planned by the traffic management department or property management department, and the window glass is damaged and the "killer" cannot be found, the owner has to make a claim through his own car damage insurance.
To sum up, as long as the car owner purchases car damage insurance, there is no problem of not paying for the car window glass problem. However, although the following situations are "related to glass", they are not within the scope of claims for vehicle damage insurance!
* The window glass is broken, and the damaged items will not be compensated
The window glass can be compensated through vehicle damage insurance, but in this case, the car mainly clearly states that if the items attached and pasted on the window glass are damaged along with the glass, they cannot be compensated through vehicle damage insurance.
For example, the vehicle glass will be pasted with explosion-proof film , and the vehicle damage insurance is only responsible for the loss of the individual breakage of the glass. The damage to this layer of glass film includes electronic equipment installed in the glass car, such as driving recorders, ETC, etc. The insurance company will not compensate for damage to these equipment.
(Mini program has been added here, please go to the Dongchedi client to view)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-