Car Glass Insurance

The windshield in cars works as a protection for the driver as well as for the passengers from sun rays, insects, dust, and different types of animals. But do you know who protects your car windshields? It is insurance companies who protect your car windshield and give coverage for the damages caused to your car’s windshield. Glass of the car is the only part in the car that crack or breaks in a small accident or if any small stone or any thing that is hard and capable of breaking the glass. Sometimes car glass can break due to natural reasons also like when a branch of a tree falls on a car, due to a hailstorm, or when any animal collides with a car and many more reasons are there.  But the main thing is how to protect your car windshield in this article we will talk about car glass insurance. 

What is Insurance for Car Glass?

Glass of the car can break in any kind of accident, it is the only part in the car that breaks first in any collision or in an accident. To get coverage for your car glass you should have comprehensive car insurance, which covers any kind of damage caused to your car glass. In third-party insurance glass of the car is not covered so to get coverage for car glass comprehensive car insurance is necessary. In insurance for car glass, coverage of broken glass is provided to the customer when the windshield of the car gets damaged or broken in any accident or natural calamity. 

Why Car Glasses Insurance is Required? 

No one knows what will happen at the next moment so precaution is necessary and the same goes for car glass insurance. In a car glass is the only thing that can break in a small accident or if anything falls on it and replacing the glass of a car is a costly expense. To be on the safer side one should have comprehensive car insurance in which glass coverage is provided by the insurer. It will protect car owners' pockets from the huge expenses that will occur if any kind of accident happens and car glass gets damaged.

What Glass Insurance for Car Cover?

Glass insurance which is given in comprehensive car insurance covers the different kind of damages that occurs to the glass of a car in different ways. In comprehensive car insurance, all glass of cars including windshield and window glass get covered. Here are the conditions in which you will get the car glass coverage. 

• If the branches of the tree fall on the car and the glasses of the car get damaged then the insurer has to give coverage. 
• If any pebbles or stones hit your car glass. 
• If the hailstorm hits your car then you are eligible for coverage. 
• If any type of ball like a cricket ball, football, or golf ball hits your car glasses then you can claim for glass coverage. 
• During driving if an animal collides with the windshield or glasses then you are eligible for the claim. 
• Damage to glass caused due to vandalism will get a claim. 

How to Choose the Best Car Insurance? 

Choosing the right car insurance is very necessary to get appropriate coverage. In India, there are lots of companies that provide car insurance to their customers at a different price with different benefits. But choosing the right car insurance is a big challenge because currently there are a number of companies available in the market and choosing the best among them is a tough decision to take. So before choosing car insurance, there are some key factors that you can consider while buying car insurance and they are as follows: 

Needs and Demands

 Always evaluate your needs and requirements for car insurance. There are two types of insurance available one is comprehensive and another one is third-party insurance. Third-party is mandatory according to the Law of India and does not cover your vehicle and comprehensive car insurance will cover both the third party and your car also. 

Comparison

Always compare the plans of different companies and compare the coverage and benefits provided by them. Always go through the sum insured, inclusion, exclusion, add ons and riders before purchasing car insurance.

Claim Settlement Ratio 

Before purchasing car insurance check the claim settlement ratio of the insurer. CSR of the insurance company shows how many claims does company has settled down in a year.

Check to Add Ons or Riders 

Go through the add-ons or riders provided by the insurance company with the car insurance for which you have to pay an extra premium to add it to your policy. It helps in getting coverage for the damage that is not included in the base plan. 

FAQs 

Is car glass covered by insurance?

Any damage caused to your car glass in any accident will be covered by the insurer if you have comprehensive car insurance.

Can you claim a windscreen on insurance? 

In comprehensive car insurance if your car windscreen gets damaged due to any accident or natural calamity then you will get the claim. In third-party insurance, this benefit is not available. 

What is the meaning of full glass coverage? 

Full glass coverage means you will get the coverage of all window glass and windshields of the front and back without paying any deductible. 

Can I buy separate windscreen insurance? 

You cannot buy windscreen insurance separately because it comes included in comprehensive car insurance.

Is a windshield covered under warranty? 

Company don't give warranty on windshields of cars because windshield breaks in a minor accident or by any flying pebbles or stones. It is covered by the insurance company if any damage occurs to the windshields.