A stone chip on a car windshield is one of the most common injuries drivers can experience. It not only causes stress but also requires quick action to prevent the damage from escalating into a more serious problem. In many cases, it's possible to obtain compensation—either from your comprehensive insurance policy or from the road authority. In this article, we explain the steps you should take to effectively pursue your rights.
Compensation from the AC policy
Comprehensive motor insurance (AC) is a voluntary insurance policy that protects vehicle owners against various types of damage, including windshield damage. To obtain compensation under AC, you must first verify the policy's coverage. Not all AC policies cover windshield damage; some policies require additional glass insurance. Then, you should report the damage to your insurer as soon as possible, attaching photos of the damaged windshield and a description of the circumstances of the incident.
Repair completion
Many insurance companies offer cashless settlements – the driver repairs the windshield at an insurer's partner garage, and the costs are covered directly by the insurer. Alternatively, you can repair the windshield yourself and claim the costs. The amount of the payment depends on the value of the damaged windshield and the terms of the policy. Some policies only cover windshield repair, not replacement, so be sure to check exactly what is covered.
Compensation from the road manager
If the stone that damaged the windshield came from the road and the damage was caused by, for example, poor road maintenance, the driver can attempt to obtain compensation from the road authority. A key step is to gather evidence that proves the road authority's fault. It's worth taking photos of the damaged windshield, photos of the road at the scene, noting its condition (potholes, rocks, gravel), and documentation proving the windshield was repaired. If there were passengers in the vehicle at the time of the incident or there are other witnesses, their testimony can strengthen the case.
To obtain compensation, you must submit a claim to the road authority. The claim should include a description of the incident, evidence (photos, receipts, witness statements), and a request for reimbursement of repair costs. The road authority may either accept or reject the claim. If compensation is denied, you can take the matter to court.
Summary
A stone chip on your windshield is a situation every driver can face. Whether you choose to seek compensation from your comprehensive insurance company (AC) or from the road authority, quick action and proper documentation of the damage are crucial. It's important to know your rights and prepare appropriately to effectively pursue compensation.
For more information, please contact us. We will assist you at every stage of the process to obtain the compensation you deserve.
This article is for informational purposes only and does not constitute legal advice.
Legal status as of December 3, 2024
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