Does car insurance claim for frosted windshield not include NCD?

No matter how careful you are while driving, accidents can happen, and the windshield is a common target. If you unfortunately drive on a road with a lot of gravel, your windshield is very likely to be damaged. Can you claim compensation for repairs? Will it affect your No-Claim Discount (NCD)? Here's a detailed explanation

Windshield repair costs range from four hundred to four thousand yuan

Windshield damage can manifest as star-shaped or linear cracks, or minor scratches, mostly caused by gravel and sand bouncing off the windshield from the tires. Windshield repairs are generally limited to the outer layer of the glass and are done inch by mechanic. Therefore, if the cracks are too long or too deep, minor repairs are not recommended; it is advised to replace the entire windshield to meet safety requirements

The price of windshield repair depends on the extent of the damage. If only one or two spots are hit by pebbles, the repair will cost about $400-600 per spot. If the damage is large or deep, replacing the entire glass will cost $2,000-4,000, depending on where the glass came from

Pebbles are hard to avoid ; be careful when driving on the road.

Windshield damage is extremely difficult to avoid, but for the sake of their finances, car owners should try to minimize accidents within controllable limits. The most common cause of windshield damage is gravel and sand from the road. When a tire drives over these, the gravel and sand adhere to the tire and spin with it, thus having a chance to bounce onto the windshield. The hotter the weather and the warmer the road surface, the easier it is for gravel and sand to adhere to the tires, increasing the chance of windshield damage. The faster the driving speed, the higher the speed at which the gravel and sand bounce onto the glass, thus increasing the depth and extent of the windshield damage

Therefore, avoiding driving on roads prone to gravel, always paying attention to your speed, and avoiding following too closely are the best ways to prevent gravel from hitting your windshield

Claims will not deductfrom NCD; please note the maximum insured amount.

When a windshield is damaged, and the culprit (such as gravel on the road) is often difficult to identify, car owners naturally hope that repair costs can be covered by their car insurance. Depending on the policy terms, comprehensive insurance usually includes windshield coverage, while coverage for only basic insurance may not, requiring additional payment. Windshield coverage typically has price and frequency caps for glass replacement, generally between $4,000 and $6,000. It's worth noting that some car insurance policies require repairs at designated garages for claims to be valid, and may include additional services such as free glass repairs

Generally speaking*, windshield repairs will not deduct from the No-Claim Discount (NCD). However, if the claim exceeds the limit or number of claims specified in the policy, the car owner must pay the difference

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*Please refer to the policy details and terms. If you have any questions, please contact the insurance company/insurance agent