With the improvement of people's living standards, cars have become a necessary means of transportation for many families. However, it is inevitable that some accidents will be encountered during the use of the vehicle, among which the window is broken by stones. When the car window is broken by a stone, how should the car owner apply for insurance?
First of all, car owners need to know their insurance policies. Different insurance companies may have different insurance claims for broken windows. Generally speaking, vehicle damage insurance can cover the case of broken windows, but the owner needs to select the corresponding additional insurance when purchasing the insurance. If the owner does not purchase the corresponding additional insurance, then the insurance company may not be liable for compensation.
If the owner of the car has purchased the corresponding additional insurance, then the car should report to the insurance company in time after the window is broken by a stone. When reporting the accident, you need to provide detailed information about the accident, including the time, location, vehicle information, and loss. At the same time, the car owner needs to keep the scene so that the insurance company can conduct on-site investigation and damage assessment.
After the insurance company conducts the damage assessment, the car owner needs to carry out repairs according to the requirements of the insurance company. When repairing, you should choose a regular car repair shop to avoid insurance disputes caused by maintenance quality problems. After the repair is completed, the owner needs to submit the repair invoice and repair list to the insurance company so that the insurance company can make a claim.
In short, when the car window is broken by a stone, the car owner should understand his insurance policy, report to the insurance company in time, and make repairs and claims according to the requirements of the insurance company. At the same time, car owners should also pay attention to protecting the scene to avoid insurance disputes due to insufficient evidence.