The separate glass breakage insurance is an additional type of insurance that is more common in motor vehicle insurance. It is widely favored by the majority of car owners because of its wide range of responsibilities and simple claims procedures. However, it is necessary to remind everyone that there are six kinds of loss of glass separately broken insurance is not responsible for compensation.
Glass film loss
Automotive glass film has become a fashion and habit of the current people, and some high-grade films are still expensive. After the automobile glass is broken and replaced, the film must be replaced accordingly, and it cannot be reused. However, because the glass is covered by the glass alone, the insurance is the glass itself, and the insurance company is not liable for the loss of the film.
At present, some mid- to high-end cars are equipped with skylights, but the damage to the sunroof glass is not within the scope of the separate glass damage compensation. As the separate glass breakage clause stipulates, the scope of the covered glass includes only front and rear windshields and window glass.
Identification loss
In the upper right corner of the front windshield of vehicles, there will be signs such as high-risk marks, annual inspection marks, and environmental protection marks. These marks are generally used for one-time pasting and cannot be removed and reused when the front windshield is broken and replaced. The logo itself is of little value. However, the replacement of these logos will result in some time cost and cost loss. This part of the loss is not covered by the separate glass damage compensation.
Imported glass press
Domestically-guaranteed difference in loss
Some imported cars or some of the domestically produced high-end cars are all imported glass. The individual glass breaking insurance for insured glass can indicate whether they are under imported glass or under domestic glass. The rates are different. If it is imported glass and insured according to domestic glass, after the risk, the insurance company will compensate according to the price of domestic glass, and is not responsible for compensation for the price difference between imported glass and imported glass.
Loss of additional equipment
Some car owners have installed some electronic devices on car glass, such as satellite navigation devices, due to certain needs. When car glass suffers severe impact damage, these devices are often damaged accordingly. As it belongs to new equipment, it is not within the scope of the separate glass damage compensation.
Glass breakage during repair
The insurance company is also not responsible for compensation for glass breakage caused during the installation and repair of automobiles. The separate glass breakage insurance clause stipulates that the separate crushing of glass caused by the installation and repair of motor vehicles is an exclusion responsibility.