What type of insurance does glass insurance belong to, and what kind of insurance does car glass ins

After the comprehensive reform of auto insurance, separate glass breakage insurance has been incorporated into the scope of auto damage insurance claims, and there is no need to purchase it separately. The details are subject to the official reply of the insurance company.

It belongs to glass insurance, that is, the insurance company is responsible for compensating the insured vehicle for the loss caused by broken glass during use. Broken glass means that only the windshield and window glass (excluding the lights and mirror glass) of the insured vehicle are damaged. The so-called glass breakage insurance means that during the parking or use of the vehicle, other parts are not damaged, only the windshield and window glass are broken separately, and the insurance company is responsible for compensation.

As car insurance.

Glass insurance can be said to be the best protection for the "face" of the car, but most people think that it is dispensable. In fact, glass insurance is a very important type of insurance.

Extended information: 1. The general claim process of glass insurance is as follows:

1. If the windshield or window glass of the trapped vehicle is broken separately, report to the insurance company;

2. Submit claim materials such as repair invoices as required, and wait for the insurance company to review;

3. After Wang Xindui passes the review, the insurance company will pay the insurance money in accordance with the contract.

2. Can car glass insurance be bought separately?

Auto glass insurance cannot be purchased separately, auto glass insurance is an additional insurance, which must be insured with vehicle damage insurance.

You can only apply for insurance after that. In addition, it should be noted that the premium rate of automobile glass insurance is divided into two types: imported glass and domestic glass. If you insure the rate of domestic Tanhu glass, you will be compensated according to the domestic glass ** when you make a claim.

3. Will glass insurance affect next year?

To a certain extent, the glass insurance will affect next year. After all, commercial auto insurance.

As long as there have been more than 2 accidents in the previous year, no matter what type of insurance is insured, it will affect the discount of the car insurance premium in the second year. If there is no insurance in the previous year, then the second year can basically be discounted by about 10% to 30%.

Therefore, it is recommended that if the loss is not large, it is better not to take out insurance. In this way, the car can enjoy the premium discount in the second year, which is very cost-effective.

The claim conditions for the glass breakage insurance itself are also relatively strict, and the coverage is very small. The insurance company will compensate only if the windshield and window glass of the insured vehicle are damaged, and the lights and mirror glass are not included.

All risks certainly include glass coverage. Generally speaking, car full insurance includes: compulsory traffic insurance + car damage insurance + third-party liability insurance + deductible + car personnel insurance, etc., in addition to theft insurance, glass insurance, body scratch insurance, spontaneous combustion insurance, etc.

If you have glass insurance, it is covered by insurance and you can make a claim from the insurance company.

Car insurance includes glass insurance. After the reform of car insurance in September 2020, glass insurance was included in car damage insurance and no longer existed as an additional insurance to car damage insurance. As long as the owner has purchased car damage insurance, he can enjoy the protection service that only the original glass insurance has.

In short, car glass insurance is canceled.

According to common sense, damage to the windshield and door and window glass is damage to the parts of the vehicle and should fall within the scope of car damage insurance. However, before the auto insurance reform, major insurance companies listed this kind of protection service separately from the car damage insurance, resulting in many car owners complaining that there are two major damage assessments in the car damage insurance and cannot be compensated.

After the reform of auto insurance, under the premise that the cost of auto damage insurance does not rise, the coverage of additional insurance, including glass insurance, spontaneous combustion insurance, theft insurance, wading insurance, no third party can not be found, no deductible, etc., will be included in the car damage insurance, so as to provide car owners with more comprehensive and complete car insurance protection services.

Of course, after the glass insurance is merged into the car damage insurance, several situations in which the original glass insurance does not pay are still applicable

1. The glass film is not compensated.

The glass of many vehicles will be affixed with explosion-proof film, and the glass insurance is only responsible for the loss of glass breakage alone, and the glass film on the surface of the glass is not compensated.

2.No compensation will be made for the loss of the logo.

In the upper right corner of the front windshield, the traffic compulsory insurance sign, annual inspection sign, environmental protection sign, etc. will be attached. These signs are all disposable. If the glass needs to be replaced due to broken glass, the replacement cost of these signs shall be borne by the owner.

3.No compensation will be made for the loss of additional equipment.

Many front windshields will be equipped with some electronic devices, such as dash cams, etc. If these devices are damaged due to broken glass, the insurance company does not compensate for the loss except for the glass.

4. When installing glass or repairing the car, the damage will not be compensated.

If the glass is damaged during the installation or repair of the car, the insurance company will not compensate according to the contract.

1. Glass breakage insurance refers to the protection of six pieces of teasing glass in the front and back of the car body, and the glass is broken due to non-human reasons such as stones bouncing on the road surface or car body turmoil, which can be compensated. There are not many car owners who buy this type of insurance, but there are also car owners who buy it.

2. Glass insurance, that is, the insurance company is responsible for compensating for the loss of broken glass of the insured vehicle during the use of the vehicle. Broken glass refers to the situation in which only the windshield and window glass (excluding the headlights and mirror glass) of the insured vehicle are damaged.

Hello! You should be asking whether sunroof glass is covered by glass insurance, right? Glass insurance is an additional risk of commercial automobile insurance, that is, the insurance company is responsible for compensating for the loss of broken glass of the insured vehicle during the use of the insured vehicle.

The covered glass shattering loss is limited to the windshield and window glass, excluding the headlights, mirror glass and sunroof glass, if the lamp, mirror glass is broken and the vehicle is damaged during the maintenance process, the insurance company is not liable for compensation. In addition, if you are insured according to the rate of imported glass, the insurance company will compensate according to the ** of imported glass, such as Shenqing socks choose to insure at the rate of domestic glass, then the insurance company will compensate according to the domestic glass.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Car insurance glass insurance isResponsible for compensating for the separate shattering loss of windows and windshields of the insured vehicle during the use of the tomb.

For example, when a car is driving at high speed, the windows and windshield are shattered by flying stones.

Extended information: An introduction to some of the riders in car insurance.

Spontaneous combustion loss insurance

Compensate for the loss caused by the fire caused by the vehicle's own reasons such as electrical appliances, wiring, and carrying goods. For example, during the high temperature period in summer, the car spontaneously combusted due to a line failure.

Scratch loss insurance for the body

Responsible for the loss of individual scratches on the surface of the body without collision marks. For example, when the car is parked, someone maliciously scratches it with a key, knife and other sharp objects. Cha Yinqi.

Wading loss insurance

Reimbursement for damage to the engine caused by flooding or wading in the vehicle. For example, wading on a waterlogged road or starting in water can cause engine damage.

Separate damage insurance for reversing mirrors and lights

Compensation for the loss of separate damage to the reversing mirror and headlights caused by non-human causes during the use of the vehicle. For example, in the process of turning or reversing, the reversing mirror scraped against the wall and was damaged.

Deductible special insurance is not included

The insurance clause stipulates that the insured shall bear a certain percentage of the loss amount after the accident. The insurance company will also compensate for the loss of this insurance, such as the spontaneous combustion of the car, according to the agreement, the owner should bear 20% of the loss cost. If you purchase this insurance, the 20% cost will also be reimbursed by the insurance company.