[China Glass Network] Every year, insurance companies receive various glass window breaking cases, many of which are malicious window incidents, but these cases are not compensated by insurance companies. So, how can we get compensation? Is it necessary to buy glass insurance? PU sole features: it looks smooth, the sole is very light, and the material is also environmentally friendly
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Is it necessary to buy a glass insurance?
Before answering this question, let's first understand what is glass insurance. The full name of the glass insurance is called “glass breakage insuranceâ€, which is an additional risk of car damage insurance, so it can only be purchased after purchasing the car damage insurance. It is specially designed to compensate for the individual breakage of the windshield or window glass during the insurance period.
For example, high-altitude falling objects (non-human) can be found in glass, or when driving on construction roads, because of bumps and shattering of glass, or often running at high speed, being caught by pebbles, etc., can claim.
In terms of premiums, if it is domestic glass, it is generally more than 100 yuan, and imported glass is relatively expensive. The price paid by an insurance company is generally more than 1,000 yuan (including maintenance and other expenses), and the imported glass will reach 5,000 yuan.
It is worth noting that the lights and mirror glasses are not in the scope of claims. So, summed up the following suggestions: If you often run the highway, you have to buy; if you are sitting in a luxury car and the community security is not in place, you have to buy it; if your home is an underground parking lot and don't care about this money, you can not buy .
Do you pay for the window?
It is a pity that such a thing as a car is a criminal case and the insurance company does not lose it. What you can do is to catch the perpetrator with the police and let him or her pay compensation.
In addition to the artificial window does not pay, there are still some circumstances not to lose. Glass film does not pay, most car owners like to help car film, some film prices are still very expensive. After the car glass is broken, the film is definitely damaged and can no longer be used. The insurance company pays for the glass itself, and your film is not lost; the glass is not damaged due to maintenance, and the insurance company is not responsible for compensation for the glass breakage caused during the installation and repair of the car. The glass separate damage insurance clause clearly stipulates that the separate glass broken in the process of installing and repairing the motor vehicle is excluded; the skylight glass is not compensated. Currently, some medium and high-grade cars are equipped with skylights, but the damage of the sunroof glass is not broken by the glass alone. Within the scope of insurance compensation. Because the glass separate damage insurance provisions, the covered glass range only includes front and rear windshield and window glass; the logo loss is not lost, the right front corner of the front windshield of the car will be affixed with signs such as cross-hazard, annual inspection, environmental protection, etc. It is usually used for one-time paste. When the front windshield is broken and replaced, it cannot be taken down and reused. The logos themselves are of little value. However, the replacement of these marks will result in some time cost and cost loss. This part of the loss is not covered by the glass alone. The loss of additional equipment is not lost. Some owners have installed some electronic equipment on the glass of the car due to certain needs. , for example, satellite navigation devices. When the car glass is damaged by severe impact, these devices are often damaged accordingly. Because it belongs to new equipment, it is not within the scope of compensation for glass breakage alone; imported glass is purchased at the price of domestic glass, only the domestic price, some imported cars or some domestic high-end cars are imported glass, underwriting The glass alone can be marked as covered by imported glass or under domestic glass, and the rates are different. If it is imported glass and insured according to domestic glass, the insurance company will compensate according to the domestic glass price after the insurance, and will not be responsible for compensation for the difference between the imported glass and the imported glass.