Who pays for stone chips without comprehensive insurance on the car?
A stone chip can quickly become an expensive affair. Find out how partial comprehensive insurance applies and what steps you should take in Elmshorn.
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A stone chip on the car can happen quickly and poses the question for vehicle owners of who will cover the costs if there is no comprehensive insurance. The answer depends on various factors, particularly the type of existing insurance and the specific contractual conditions. In this article, we clarify which types of insurance are relevant, what role the insurance contract plays, and what steps should be taken to settle the damage.
Which insurance applies in the case of a stone chip?
In many cases of a stone chip, the partial coverage insurance is relevant. This typically covers glass damage, even if there is no comprehensive insurance. Comprehensive insurance usually includes the benefits of partial coverage but is not necessarily required for settling stone chip damages. On the other hand, liability insurance generally does not cover one's own glass damage, as it only covers damages to third parties. Therefore, it is important to check your own insurance policy to determine whether glass damage is covered and what conditions apply for damage settlement.
How does the insurance contract influence damage settlement?
The insurance contract is crucial in determining whether and to what extent a stone chip damage will be settled. The insurer's conditions specify whether glass damage is insured, whether the deductible is waived for a repair, and which costs are covered in the event of a replacement. It is advisable to check the insurance details before commissioning a repair or to have the damage recorded for processing. The binding decision on cost coverage is ultimately made by the insurer, based on the contractually stipulated conditions. The technical measure, whether repair or replacement, is assessed independently of this.
When do you have to bear the costs yourself?
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Without partial or comprehensive insurance, vehicle owners generally have to bear the costs for their own glass damage themselves. An exception may exist if a perpetrator can be proven to be responsible for the damage, for example, due to unsecured cargo. Whether a claim against the perpetrator is enforceable depends on the available evidence and the circumstances of the incident. In such cases, it can be helpful to document the damage and seek legal advice to assess the chances of success for a claim.
What steps should you take after a stone chip?
After a stone chip, it is advisable to photograph the damage and note relevant information such as license plate and insurance details of the perpetrator, if known. A timely professional inspection of the windshield by a workshop is also important to correctly assess the damage and avoid consequential damages. The workshop can assist with damage recording and communication with the insurer but does not replace the insurer's coverage decision. If partial coverage is in place, the workshop settles directly with the insurance; the customer only bears their deductible.
What technical measures are required in the case of a stone chip?
The technical measure depends on the extent of the stone chip. A small damage can often be repaired, which usually takes 30 to 60 minutes. In the case of a crack or if the damage is in an unfavorable location, a replacement of the windshield may be necessary. A windshield replacement takes about two hours of workshop time, followed by one hour of curing time before the vehicle can be moved. For vehicles with driver assistance systems, calibration at the workshop may be necessary if the manufacturer requires it after a windshield replacement.
What should you know about the workshop in Elmshorn?
The KS Autoglas Zentrum Elmshorn carries out all work in its own workshop in Elmshorn and offers a free loan vehicle (car) for the duration of the work, depending on availability. The workshop specializes in the repair and replacement of vehicle windows and can also perform calibration of driver assistance systems in-house. The settlement of the damage with the insurance is done electronically, so the customer does not have to report the damage additionally to their insurance. For questions or to make an appointment, the workshop is available by phone around the clock.
Frequently asked questions on this topic
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In general, the partial comprehensive insurance covers the costs for stone chips. However, with a pure liability insurance, the costs must be borne by the owner themselves, as this only covers damages to other vehicles.
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A repair is usually possible if the damage is small and located outside the field of vision. Damage at the edge of the glass can affect stability and often requires a replacement.
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Many insurers waive the deductible for stone chip repairs. However, in the case of a replacement, the agreed deductible applies; the amount can be found in the insurance certificate.
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In general, a stone chip does not lead to a downgrade of the no-claims bonus when covered by partial comprehensive insurance. However, you should check the exact terms of your insurance contract, as these may vary.
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Protect the damaged area from dirt and moisture. Have the damage assessed by a professional workshop to determine if a repair is possible. Please have your vehicle registration and insurance information ready for this.
Glass damage? We help you immediately.
Report damage online in under 2 minutes – we handle the insurance directly for you.
Emergency? Also available by phone outside of business hours – 24/7.
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