The plot of this story began to spin almost a year ago, in September 2016. Then a resident of Petropavlovsk-Kamchatsky was driving her car along one of the local dirt roads following another car. At some point, a particularly powerful sheaf of gravel flew out from under the wheels of the vehicle in front and hit the windshield of the main character’s car. The amount of material damage, according to the results of an independent examination, subsequently organized by the injured car owner, amounted to about 60,000 rubles. Madame, having decided that what happened was not covered by compulsory motor liability insurance, filed a lawsuit against the culprit of the incident demanding compensation of 85,150 rubles - taking into account the cost of damage, the cost of conducting an examination and legal expenses.

However, the Petropavlovsk-Kamchatsky City Court assessed what happened in its own way. He decided that the immediate cause of accident the defendant violated traffic rules: the driver did not take into account the condition of the road surface, technical features of his car and, as a result, allowed gravel to be ejected from under rear wheels your car. Considering that the road accident occurred with the participation of two vehicles, and the civil liability of the culprit at that time was insured under MTPL, the court came to the conclusion that the road accident in question was an insured event.

Moreover, it is normal federal law There is no indication that an insured event occurs only when there is direct contact (collision) of two vehicles during an accident. On this basis, the owner of a car with a broken gravel glass was denied a claim against the culprit of the incident. Following the logic of the court, she should have filed an accident under compulsory motor liability insurance and applied for compensation from her insurance company.

This approach to the situation was confirmed in the appellate instance - in the Kamchatka Regional Court. Taking into account this court decision, we can recommend the following algorithm of actions when a stone from a car in front breaks the front wheel of your car. After the impact, we record the number of the shooter’s car using, for example, a DVR. Ideally, we stop it somehow. Next, we call the police, file an accident report and notify the insurance company. If she refuses to compensate, we rub the insurer’s nose in the decisions of the Kamchatka courts. If this doesn’t work, we go to court and win the case, receiving also a penalty from the insurance company.

All this is great, but what a misfortune: when registering our accident, it will almost inevitably turn out that the offending car “fled the scene of the accident.” Despite the fact that her driver had no idea what had happened. But what is deprivation of the “rights” of an actually innocent person compared to material compensation for our damage, right?

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Got a rock in your windshield? We receive payment under compulsory motor liability insurance.

Many Russian car owners do not know that the driver can demand compensation for damage if, for example, a stone flew into the windshield. It turns out that such cases are classified as a traffic accident and you can receive a payment under compulsory motor liability insurance.

What to do if a stone hits the glass?

Rockfalls happen not only in the mountains, for example, small pebbles on the road from a car in front.

Flying out from under the wheels they can seriously damage your car. For example, the windshield. Even the most careful driver is not immune from this annoying nuisance. It is simply impossible to react. A foreign object hits at the speed of a bullet.

And now you are looking at the world from behind a path of cracks, like a spider. Agree, it’s not very pleasant. Especially in the evening, when the mini-mesh glares and blinds the driver.

However, few people know that damage can be compensated.

The fact is that, according to the law, hitting glass with a stone is considered a traffic accident, which means there is always a victim and a culprit.

Utility service organizations are responsible for maintaining the roads in good condition; they are required to monitor not only the absence of potholes, but also any foreign objects on the road surface.

If you have been damaged by cobblestones, you can safely demand repairs from the road workers.

It is necessary to record the fact that the stone flew out from under the wheel and hit the car. If there is a video recorder, it’s pretty good - we have video material; if there is no recorder, we have testimony from witnesses.

Call the traffic police to the scene of the incident.

We receive a certificate of damage.

With this certificate we go to court.

However, if the road is undergoing repairs and the corresponding signs indicate this, then the road workers have nothing to do with it.

If, as a result of the fact that the place was fenced and there were special signs and the driver should not have entered this zone, in accordance with the traffic rules, but the driver entered this zone and a stone or other object flew out of there, then compulsory motor liability insurance will work in this situation.

This means that the driver of the car, from under the wheels of which the ill-fated stone flew out, is recognized as the culprit of the accident. He did not take into account road conditions and caused an accident. Broken glass, according to the rules of OSAGO, is obliged to replace it Insurance Company.

The algorithm of actions is the same as indicated above, with the exception of the last point. First, we go to the insurance company with an application for insurance payment, and only if the insurer refuses to pay, then we go to court.

Experts emphasize that you cannot save on this procedure. If the thought flashes of installing non-original glass, throw this thought out of your head. This is a technically complex, knowledge-intensive product; analogues, as a rule, consist of low-quality materials and can distort the picture like a lens.

Replacement of glass according to OSAGO

The Carglass® company provides auto glass repair and replacement services. We use the same parts that automakers install on assembly lines. We always have more than 50 thousand auto glass for most popular car models. Even if the part is not in stock, we will order it directly from the factory.

How to replace glass according to OSAGO

If your car was damaged in an accident and it was not your fault, you can demand compensation from the offender’s insurance company for damages caused. After registering an insured event in accordance with Russian legislation, you have the right to compensation. Replacement services windshield under compulsory motor liability insurance will not cost you anything if the policy covers the costs. The damage will be compensated by the insurance company that insured the culprit of the accident.

If you are not recognized as a victim, are the culprit in the accident, or the amount of repair costs exceeds the limit established by law, replacement of glass under compulsory motor liability insurance is carried out on a general basis.

To restore glass, leave a request on the website, call us or visit our office in person. We will select original auto glass for you and install it in 2 hours. If a part is not in stock, we will install a temporary PVC alternative while it is delivered.

Replacement glass for stamps

Why is it better to contact Carglass®?

Carglass® always tries to repair the glass first if possible and save the customer money. If the chip is beyond repair, we will try to replace the auto glass within 1 hour on a predetermined day.

You do not need to leave your car for a day to carry out work. In Carglass®, when replacing auto glass, you can operate the car within 1 hour after installation. If you wish, you can leave your car at our service center

Carglass® is a highly specialized company. This allows us to concentrate on constantly improving the quality of specific types of work. High-tech equipment and qualified personnel allow us to provide services that meet international standards.

To replace the glass under compulsory motor liability insurance, file an insurance claim and contact the insurance company of the person responsible for the accident. If this is not possible, fill out a request on our website or call us.

In terms of prices, we are unlikely to be able to compete with “garage” service stations and never planned, since this is impossible without compromising quality. Our prices and level of service are among the most competitive. We value your time and money, so if the glass can be repaired rather than replaced, we will offer that service as well.

A stone hit the windshield

Hello. Today I was driving a car and a stone flew into my windshield from the car in front and broke it. I have insurance. Will my insurance pay me if I didn’t call the traffic police?

Lawyers' answers (3)

Alas, in this case you will not receive anything from compulsory motor insurance insurance.

Client clarification

and if I called the traffic police would there be a chance to get it? I just don’t have witnesses, neither the DVR nor the car from which the stone flew off, everything happened so quickly

Have a question for a lawyer?

According to the rules compulsory insurance civil liability of vehicle owners, a traffic accident is understood as an event that occurred while driving on the road vehicle and with his participation, in which people were killed or injured, vehicles, structures, cargo were damaged, or other damage was caused material damage.
yes, if they had called there would have been a chance. The windshield of a car broken by a stone while it is moving along the road may be recognized by the magistrate court as an insured event as a result of an accident. But it is very controversial and individual. According to the rules, the occurrence of civil liability is not enough for there to be an insured event. More evidence is needed, namely: whether there was an accident, the degree of fault of the driver of the other car, then such a case may and may be considered insurable.

It's clear. thank you very much. and if my car is under warranty, should they replace the windshield for a fee or not?

Please. If the CASCO terms provide for the replacement of glazing without an accident, then you will have to prove it under warranty. that there were no other influences. Marina, definitely try it, maybe they will recognize it warranty case. Also, if that doesn’t work, you can try to report that the glass did not withstand the peculiarities of Russian roads.

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Windshield replacement under OSAGO and CASCO in 2018

The windshield is a vulnerable part of the car due to its size and location. Often it suffers from hooligans, cracks due to frost, and is damaged due to an accident or falling branches or stones. Therefore, such a question as replacing a windshield under OSAGO or CASCO is constantly relevant.

How repairs are carried out under CASCO

The CASCO policy provides compensation for damage to its owner or repair of the car. By choosing repairs, the car owner can protect himself from worries about finding a car service center and monitoring the work. The insurance company takes responsibility.

But the repairs need to be formalized, and you need to know your rights. After all, the goal of the insurance company is to restore the car as cheaply as possible. View the list necessary documents, timing and procedure for repairs, possible problems in this case, it is possible in the general article “Repairs under CASCO”.

Is the windshield replaced under insurance?

It would seem that CASCO owners have nothing to worry about. But when contacting an insurance company with damaged glass, you should take into account many nuances: why it broke, cracked or chipped; Is it damaged enough to warrant replacement? It is useful for the car owner to know how the repair procedure works according to the law and what kind of glass should be installed instead.

The glass will be replaced under CASCO insurance in any case. This option directly corresponds to the concept of this policy.

Drivers who have insured their car only against theft, but not against damage, may be denied replacement of glass elements.

Installing new glass is one of the easiest items in terms of money and time. Most CASCO policies include an option that involves replacing glass elements without traffic police certificates; this greatly simplifies the procedure.

This function is not available by default in every contract; details must be clarified when applying for a policy. And if there is a possibility of replacement without a certificate, then usually no more than two such cases are allowed per year.

When the policy involves a single replacement of glass without the participation of the police, the procedure is as follows. If glass is broken and replaced during the year, then repeated damage to any glass element during the policy period must be confirmed by the traffic police.

In addition to the windshield, the following can be replaced without a certificate:

any of the body windows (side, rear);

mirror;

headlights;

dimensions;

"feet";

direction indicators.

Glass must be replaced without taking into account wear and tear of the part, even if such a function is specified in the contract. The insurance company pays the full cost of the glass and its installation.

If the glass is broken

It is worth highlighting two situations with glass damage, in which the chances of payment under compulsory motor liability insurance are different. The first case is damage resulting from an accident. If a part is broken as a result of a car collision or a stone hits your windshield from under the wheels of another car, OSAGO may cover the cost of a new glass.

Yes, a stone thrown from under the wheels of a car hits another car, according to the Rules traffic is also treated as an accident. In this case, the payment will be provided if the culprit of the incident did not escape, simply not noticing the flying stone.

If the culprit is detained, then compensation for new glass is paid under his OSAGO policy. According to the 2017 changes to the MTPL law, under the terms of contracts concluded after the changes entered into force, the damaged car will be sent to a service station for glass replacement.

It’s a different matter if a car window is broken in the yard: let’s consider what to do in this case, having MTPL. The chances of receiving auto insurance payments are practically zero. After all, the principle of operation of this insurance is payment to third parties from the car owner’s policy. But if the car was damaged by hooligans who fled, then this is clearly not included in the conditions of compulsory motor liability insurance. Let's say the attacker is found and there is evidence of his guilt. But it is not a fact that he is the owner of an MTPL policy, or a car owner in general.

When you are the owner of a voluntary policy, the installation of new glass is guaranteed under your CASCO insurance: regardless of whether there was an accident, a stone flew out from under the wheels, or the part was damaged while parked.

If there is no CASCO insurance, then the only chance for compensation for damage is to call the police to find the criminal and bring him to justice under the law, but not under OSAGO.

If it crashed itself

In the event that an object (stone, branch, etc.) accidentally gets into the windshield, OSAGO insurance especially does not cover the costs of installing a new part, because the stone or tree does not have a policy.

As for CASCO insurance, which, it would seem, in any case compensates for the damage to the client, then accidental damage to the glass is not an insured event. It is interpreted like this.

The CASCO policy does not identify as an insured event a situation where glass cracks without the influence of external mechanical factors. Example: a car is parked outside at a very low temperature, resulting in thermal deformations of the glass. This is not an uncommon occurrence in harsh Russian winters. Usually, not only windshields crack, but also rear windows. The interpretation of the CASCO situation can be explained logically: the crack was formed due to defects in the design of the car itself.

So what should you do if your windshield is cracked, but CASCO refuses to pay? Insurers argue that this issue needs to be resolved within warranty service at the dealer. But in the official dealership They will try to refuse you in every possible way. In any case, there is a chance to protect your rights.

The dealership may claim that the case is not under warranty. It is possible that the dealer will find a tiny chip, supposedly from a stone that hit the windshield, and point to CASCO. It turns out that neither the dealers nor the insurance company will recognize the crack. Can be requested independent examination, payment of its cost is the responsibility of those who will be forced to compensate for the damage.

If the examination does not solve the problem, there is a chance to defend your rights in court. To file a claim, you must have a written refusal from both authorities; the results of the examination are also taken into account.

What types of glass damage are repaired under insurance?

Glass replacement is not provided in all cases, even under CASCO insurance. Before replacing the windshield under CASCO or repairing it, determine the extent of the damage. There is a classification of defects, depending on which the type of compensation is assigned. Some damages do not qualify as insured events.

• glass is broken;
• the glass part is cracked;
• chips appeared;
• abrasions have formed.

Based on the type of defect, the insurance company prescribes a measure (full replacement, repair) or recognizes the absence of an insured event.

When the fact of broken glass is obvious, under the terms of the CASCO agreement there are no other options other than replacing the part with a new one. The answer to the question whether it is possible to replace a windshield under compulsory motor liability insurance is only in the event of an accident.

A deep scratch or crack on the front “panorama” will, in any case, render the part unusable over time. The defect will grow and the glass will require replacement. In order to prevent unexpected glass breakage during travel, it is advisable to offer the client a replacement part under CASCO insurance. If your insurer gives you the choice of replacement or compensation, ask for the replacement because you will need it anyway.

When a chip forms on the windshield of your car, CASCO provides for a choice of measures depending on the situation. In most cases, replacement is offered only if the chip has reached a value of more than 3 mm. If the defect is smaller, the insurance company may pay to repair the part. This is logical, because a small chip, unlike a crack, will not necessarily grow and render the glass unusable.

Replacement conditions

In cases where the design of the previous glass included additional elements, the new part must be equipped with the same functions. For example, you cannot install new glass without a rain and light sensor, if the old one had these devices. The presence of heated windows and the type of adjustment - automatic or manual - are also taken into account.

If you tinted the previous glass yourself, the insurance company is not required to apply the tint to the part being installed. Exception: tinting must be maintained if it was factory.

How does the replacement take place?

The replacement station is usually chosen by the insurance company. Most likely, you will be sent to a service that specifically deals with the replacement and repair of glass parts. Pros: speed and professionalism. And the main advantage for the insurance company is that the work costs less than a dealer service.

Replacing a windshield under CASCO covers absolutely all costs. Dismantling of old glass is carried out at the expense of the insurance company; insurers pay for new glass, a repair kit, as well as installation.

What kind of glass will be installed instead?

The new part will not necessarily be original; according to CASCO terms, complete originality does not have to be observed. Companies prefer to install glass manufactured by third parties, but under license from the manufacturer. This part is cheaper.

The replacement part may not have a light protection strip. To prevent this from happening or to prevent you from having a stripe of a different color installed, discuss this issue with the service technicians in advance. You should pay attention to whether there was a heat-protective or laminating layer on the glass part. If the car is new, this function most likely existed.

Anything can happen on the road, and anything can happen. In this article we will analyze situations, what to do if a stone hits the windshield and everything connected with it. There may be many situations and conditions on this topic, such as the presence or absence insurance policy CASCO.

If you hit your windshield with a stone while driving:

In this situation, you must remain calm and the first thing to do is stop on the side of the road and turn on the emergency lights. light signaling, put up a warning triangle, inform the traffic police about the incident and, preferably, also inform the insurance company. No matter how funny it may sound, it must be done, since this incident is a Traffic Accident. And when Accident driver obliged to do the above, if, of course, you want to repair your car under CASCO. However, in some insurance companies, windshields are replaced without certificates (with “full CASCO” insurance), with the condition that only the windshield is damaged.

The arriving traffic police officers will document the accident and give you the following documents:

• certificate in form 154;
• protocol;
• ruling on determination.

After which you will need to come with a set of documents to the insurance company and write a statement about the insured event.

If you only have a compulsory motor liability insurance policy, then the insurance company is unlikely to help you, since the culprit most likely disappeared (or simply simply did not understand that he damaged your car) and you have no evidence of anyone’s guilt.

If you discover damage to your car after a while:

Let's imagine a situation - you washed your car and found chips or scratches, the origin of which is unknown to you. In this situation, you need to call the police, since the traffic police officers will no longer help you (and may even deprive you driver's license with reference to that you fled the scene of an accident!). Arriving on call, police officers represented by a local police officer will inspect your car, take from you: a statement, an explanation (where, when, and under what circumstances you discovered the damage to the car).

Documents that are required for the insurance company in this case:

• Notification coupon - you need to receive it on the day of filing the application with the police, even if it happened at night (otherwise, if you apply for a coupon the next day, they will not give it to you, since coupons are issued day after day);
• Certificate in form F-3;
• Resolution to initiate or refuse to initiate a criminal case.

As a result, after which you will need to come with a set of documents to the insurance company and write a statement about the insured event.

We wish you good luck on the roads!

Many vehicle owners prefer to conclude a CASCO insurance contract along with the purchase, which is mandatory.

This is primarily due to the fact that compulsory motor liability insurance makes it possible to receive compensation only in cases where the driver was not the culprit of the accident. And CASCO, in fact, covers any type of damage, including theft of a vehicle.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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In practice, there are very often cases when it becomes necessary to replace the windshield of a vehicle. How to replace glass under CASCO, and what is the procedure for contacting the insurance company?

Types of damage

In order to correctly understand the procedure for replacing a windshield, you must first find out what types of damage there are and in what cases a complete replacement is carried out.

Today, experts distinguish the following types of damage to a vehicle windshield:

• fight - in this case the glass breaks due to some action (for example, a blow);
• crack - such damage can occur either due to any external actions (for example, an impact), or due to a strong temperature change (for example, washing glass with warm water at sub-zero air temperatures);
• chips - experts distinguish 2 types of chips - small and large;
• attrition;
• scratch.

But not all damages are grounds for compensation. For example, almost all insurance companies consider combat to be grounds for complete replacement glass

But not all cracks are included in the list of insurance cases. In general, compensation is paid in cases where the crack occurred due to external influences.

And if the cause of the crack is temperature changes, then many insurance companies require a special examination and only after that make a decision on the possibility of paying insurance compensation.

A large chip (diameter greater than 3 mm) is the basis for replacing the car windshield. And smaller ones are considered only minor damage and are not included in the list of insured events.

The same can be said about scratches. Small scratches are not grounds for receiving compensation, but larger ones that interfere with the driver’s vision are covered by insurance claims.

Windshield abrasion is not an insured event, as it occurs mainly due to natural wear and tear.

How are they stated in the contract?

To get an answer to this question, you must first familiarize yourself with the terms of the CASCO insurance contract, which stipulates all insured events.

After all, all insurance companies offer their clients different CASCO insurance conditions, and there may be cases when replacement of damaged glass is not included in the list of insured events.

As a rule, the replacement of a windshield is specified in the contract, as is the replacement or repair of glass elements of a vehicle.

Such elements include not only the windshield, but also other vehicle windows, headlights, mirrors, etc.

In practice, the following situations may arise:

• may be provided limited quantity replacing the windshield of a vehicle - in practice, many insurance companies provide for replacing glass elements only 2-3 times, and in case of subsequent damage, repairs are carried out at the expense of the vehicle owner;
• The car is only insured against theft - in this case the glass is not replaced;
• The insurance contract may provide for a more simplified scheme for paying insurance compensation; in this case, there is no need to involve traffic police officers.

But before you write a statement and demand payment of the amount of insurance compensation or replacement of the windshield of the vehicle, you must first read all the conditions and make sure that this damage to the vehicle glass is an insured event.

Rules

If the owner of a vehicle discovers that the glass of his car has been damaged, then he must first familiarize himself with the rules for obtaining compensation that are established by a particular insurance company.

Compliance with these rules is mandatory, and failure to comply may become grounds for refusal to pay insurance compensation.

In particular, basically all insurance companies require calling a traffic police inspector, who will confirm the fact of the occurrence of an insured event.

But some insurance companies replace damaged glass in a simplified manner: in this case, calling a traffic police inspector is not required.

The next stage is submitting the appropriate application and necessary papers to the insurance company.

It is necessary to remember that the application and all necessary documents must be submitted within the time limits specified in the CASCO insurance contract.

As for required package documents, their list may differ depending on the insurance company: each independently establishes a certain list of papers.

That is why, before submitting an application, you should clarify the list of required documents directly with the insurance company.

But, as a rule, in such cases it is necessary to present:

• driver's license;
• copies of the CASCO policy;
• passports;
• documents for the vehicle, including a certificate of ownership.

In addition, in some cases it may be necessary to present a certificate from the traffic police (replacement of glass under CASCO without a certificate is carried out if a simplified procedure for considering the application has been established) and a corresponding expert opinion.

If certain damage was caused to the car by a third party, then it is necessary to present the decision of the authorized body to initiate a criminal case or to refuse to initiate it if there are no signs of a crime.

After submitting the application and all necessary documents, the insurance company reviews it.

At the same time, you need to know that in most cases, insurers send their employees to assess the damage caused.

And the owner of the vehicle must ensure that it is inspected by the appropriate employee. That is why it is prohibited to repair or replace glass before inspection and a decision on whether to provide compensation. Otherwise, the applicant may be refused.

Replacement procedure

The procedure for replacing glass may also be provided for in the insurance contract. But, as a rule, insurers offer their clients 2 options for receiving appropriate compensation.

In the first case, the applicant is paid a certain amount of money, after which the insurer’s obligations to pay insurance compensation are considered fulfilled.

In this case, the search for a car repair shop and repair of the vehicle is carried out directly by its owner.

And in the second case, the vehicle is being repaired. Of course, mostly insurers have concluded cooperation agreements with specific workshops and offer their clients repair work precisely in them, but many vehicle owners prefer this option.

This is primarily due to the fact that the insurer’s obligations are considered properly fulfilled only after the client signs an act of acceptance and transfer of the results of repair work.

If the client is dissatisfied with the results of the work, the workshop must eliminate all mistakes made.

Of course, every vehicle owner has every right to choose any option that is most convenient for them to receive compensation and restore the vehicle.

But at the same time, it is necessary to take into account the fact that if the owner decides to receive monetary compensation, then, under the terms of the insurance contract, he must ensure proper repair of the vehicle.

In the future, the insurance company can check the fact that repair work has been carried out, and if they are not carried out, if the insured event occurs again, the owner of the vehicle may be denied compensation.

What kind of glass is installed under CASCO?

Many vehicle owners are concerned about the question of how exactly the replacement is made, and what kind of glass is installed? To get an answer to your question, you must also study the terms of the insurance contract.

If it does not say anything about installing analogues, then in this case the insurance company is obliged to ensure the installation of original glass purchased from the manufacturer. This is a mandatory requirement.

As a rule, almost all insurance companies do this. At the same time, it is also necessary to remember that the insurer is obliged to ensure not only the installation of the original factory glass, but also to restore all the elements that were provided by the manufacturers for this make and model of the car (for example, factory tinted glass, etc.).

If this has not been done, the owner of the vehicle may write a statement and demand full implementation of the insurer’s contractual obligations.

Replacement under a policy with a deductible

Many people are interested in the question of whether it is possible to replace damaged vehicle glass.

In fact, the scheme is quite simple: if the deductible amount is much higher than the cost of glass replacement, then contacting the insurance company does not matter.

For example, if the CASCO insurance contract establishes a deductible in the amount 20,000 rubles, and the full package of services for replacing damaged glass is only 14,000 rubles, then the insurance company will refuse to pay insurance compensation.

This fact must be noted Special attention and carefully read the terms of the insurance contract before submitting the relevant application.

If the cost of repair work exceeds the amount of the franchise established in the agreement, then the owner of the vehicle can safely write a corresponding application to receive compensation.

From the above we can conclude that the voluntary CASCO insurance agreement allows vehicle owners to replace damaged car glass.

Many Russian car owners do not know that the driver can demand compensation for damage if, for example, a stone flew into the windshield.

It turns out that such cases are classified as a traffic accident and you can receive a payment under compulsory motor liability insurance.

What to do if a stone hits the glass?

Rockfalls happen not only in the mountains, for example, small pebbles on the road from a car in front.

Flying out from under the wheels they can seriously damage your car. For example, the windshield. Even the most careful driver is not immune from this annoying nuisance. It is simply impossible to react. A foreign object hits at the speed of a bullet.



And now you are looking at the world from behind a path of cracks, like a spider. Agree, it’s not very pleasant. Especially in the evening, when the mini-mesh glares and blinds the driver. After the arrival of a “surprise”, you pull off to the side of the road or park at the curb and you are faced with the question: a stone has hit the windshield, what should you do?

However, few people know that damage can be compensated.

The fact is that, according to the law, hitting glass with a stone is considered a traffic accident, which means there is always a victim and a culprit.

Utility service organizations are responsible for maintaining the roads in good condition; they are required to monitor not only the absence of potholes, but also any foreign objects on the road surface.

If you have been damaged by cobblestones, you can safely demand repairs from the road workers.

It is necessary to record the fact that the stone flew out from under the wheel and hit the car. If there is a video recorder, it’s pretty good - we have video material; if there is no recorder, we have testimony from witnesses.

Call the traffic police to the scene of the incident.

We receive a certificate of damage.

With this certificate we go to court.



However, if the road is undergoing repairs and the corresponding signs indicate this, then the road workers have nothing to do with it.

If, as a result of the fact that the place was fenced off and there were special signs and the driver should not have entered this zone, in accordance with the traffic rules, but the driver entered this zone and a stone or other object flew out of there, then insurance will work in this situation.

This means that the driver of the car, from under the wheels of which the ill-fated stone flew out, is recognized as the culprit of the accident. He did not take into account road conditions and caused an accident. Broken glass, according to the rules of OSAGO, is obliged to replace it by the insurance company.

The algorithm of actions is the same as, with the exception of the last point. First, we go to the insurance company with an application for insurance payment, and only if the insurer refuses to pay, then we go to court.

Experts emphasize that you cannot save on this procedure. If the thought flashes of installing non-original glass, throw this thought out of your head. This is a technically complex, knowledge-intensive product; analogues, as a rule, consist of low-quality materials and can distort the picture like a lens.

If your windshield is cracked. We'll tell you everything in detail.

Insurance against damage resulting from damage to the windshield is one of the main reasons for obtaining CASCO insurance. This is one of the most commonly used insurance risks. For now - a very real thing.

Windshield replacement under comprehensive insurance:


The main thing is to know a few nuances that will need to be taken into account in case of damage received.

Types of damage

In order to understand whether it makes sense to contact the insurance company, or whether you will need to solve the problem yourself, you need to know what types of windshield damage can occur while driving. And, accordingly, which of them are paid by the insurer according to the conditions.

• If the windshield is completely broken or has cracks, then the part will need to be replaced. But it is necessary to understand that the damage must be mechanical. Only in this case can you receive compensation for damage.

  It often happens that a crack occurs in winter due to temperature changes. For example, at a car wash. When inspecting damage, the insurance company's expert looks for chips and cracks. In case of mechanical damage, these chips will appear.

• Chips. They are different depths. If this parameter exceeds 5 mm, for example, if a stone is hit, then the insurer provides repairs in the form of replacement of the part at a service station at its own expense. Or it pays compensation, at the expense of which the car owner independently applies for repairs.

  If the chip depth is less than 5 mm, then the owner can have the glass straightened to restore it. However, some workshops offer straightening of glass with deeper chips.

• Scratches. If there are scratches, you should not count on replacing the glass. The only exception is when the location of the scratches completely interferes with the view.

  Then it is decided on an individual basis what will be provided to the client - glass straightening or its complete replacement.

• There are abrasions on the glass, which are most often formed due to the work of “janitors”. They are part of the vehicle's normal wear and tear. As a result, you won’t have to rely on CASCO.

How are such insured events specified in the policy?

Most often, insurers limit clients to two claims for compensation per year.

Reference! The policyholder will need to pay for the remaining damage to the vehicle themselves.

In cases where it is purchased, the number of requests is not limited, but the cost of such CASCO insurance will be significantly higher. You can find out more about calculating the cost of CASCO.

Terms of compensation for damage received

We list the main requirements for damage in which the insurance company will agree to compensate the policyholder for damage received:

1. Damage to the glass must be caused by mechanical force. A sharp temperature change does not lead to an insured event. Experts are sufficiently qualified to recognize the cause of damage.
2. The driver could insure a car that already had a defect on the windshield. In this case, during the pre-insurance inspection, the owner of the car will be asked to sign an inspection report. The document will describe all damage to the car at the time of conclusion of the contract. In the future, these damages will not be taken into account when calculating compensation.
3. If the car is located far from the region where the policy was obtained, and an insured event occurs, you can claim urgent repairs from the insurance company. In such cases, few organizations require certificates of the fact of an accident, therefore, the policyholder will receive repairs.

Procedure

As with any other insured event, if damage is detected on the windshield, the policyholder is obliged to notify the insurance company of the situation. Let us consider in detail how to change a windshield under an insurance contract.

What spare part is supplied during repairs by the insurance company?

When the insurance company independently provides repairs to the vehicle, most often the original glass from the manufacturer is installed to replace the damaged part.

However, a nuisance may arise in the form of a lack of necessary spare parts for installation. Or, if the company prefers to save money, a non-original windshield will be installed on the car.

This will be a part from a third party manufacturer, but produced under license from the original plant that produced the vehicle of the insured make and model. Then glass will cost several times less. In a situation where the glass contained tinting, it will not be returned during repairs.

What glass components of the car are subject to review?

The insured event specified in the contract, contrary to popular belief, includes not only the replacement and repair of the windshield. All glass components of the car are taken into consideration:

• Windshield;
• side window glass;
• rear window;
• headlights;
• mirrors

Consequently, if the car is damaged by one or more of these parts, he can contact his insurer so that the latter, under the terms of the contract, compensates for the resulting material damage.