How is the windshield replaced according to CASCO?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

In our country, the owner of the vehicle must have an insurance policy. CASCO car insurance covers all costs associated with the theft of a car, as well as damage to it as a result of a traffic accident. One of the most common insured events that many motorists face is damage to the windshield as a result of a small accident with minimal damage to the car, as well as when foreign objects get into it while driving. Therefore, many car owners are interested in the question of how the windshield is replaced according to CASCO.

Types of windshield damage

Today, there are the following types of damage to the windshield of a car that require insurance payments:

• fight is a situation in which the windshield was damaged in a collision with another car or as a result of hitting it with an object;
• crack - damage to glass by a foreign object or as a result ofstrong temperature difference. This type of damage is one of the most problematic, since it is quite difficult to replace cracked glass under the policy;
• chip - damage caused by physical impact. However, it is important to understand that windshield replacement under CASCO in Rosgosstrakh is possible only if the damage diameter exceeds 3 millimeters;
• scratches are insured events, however, a technical examination is required to replace the glass. If scratches on the windshield are located on the passenger side or do not interfere with normal visibility, then the policy does not cover the cost of replacing the windshield;
• scuffs refer to damage caused by wear and tear, so windshield replacement is not covered by the policy.

From the above, it follows that when replacing a windshield under CASCO in RESO, there is always a guarantee, and under the policy of any other insurer, it is far from provided in all cases, therefore, when applying for insurance, it is recommended to read its conditions very carefully.

What does the policy say about glass damage?

All types of breakdowns and damage to the car, which involve the payment of monetary compensation to the driver, are listed in the contract.

As for glasses, all information about damage to these elements is written in the paragraph "Replacement and repair of glass elements", which include:

• windshield, rear and side windows;
• side mirrorreview;
• headlights;
• parking lights;
• direction indicators;
• elements of additional lighting, if they are included in the vehicle's factory equipment.

Compensation for the repair or replacement of any of the above items can only be received if it is specified in the contract.

Insurance programs

Insured events in which the windshield is replaced under CASCO, the consent of the insurer depend on the insurance program chosen by the driver.

Today, every driver can insure his vehicle against the following risks:

• theft - the driver receives compensation only in case of theft of the car, and if additional services have not been issued that involve payment for car repairs, compensation is not paid by the insurer;
• under the standard policy, windshield replacement is paid only if it is damaged in the first two cases, and if this limit is exceeded, all repairs fall on the shoulders of the car owner;
• when applying for simplified insurance to receive monetary compensation, there is no need to involve traffic police officers;
• windshield replacement under CASCO with a franchise is possible only if the amount of damage incurred exceeds the cost of the policy. Otherwise, the cost of the vehicle owner will be significantly higher than the amount of damage incurred.

If, as a result of a traffic accident or due to any other circumstances, the wind turbine was damagedglass, then before contacting the insurer, it is recommended to read the contract very carefully, in particular, what insured events it provides for, as well as the procedure and terms for obtaining monetary compensation.

How is the windshield replaced under the CASCO policy?

Windshield replacement under CASCO in RESO and policies of other insurers occurs in the following sequence:

1. If you get into an accident in which the glass elements were damaged, you should call the traffic police to the scene of the accident.
2. Notify the insurer of the incident. This must be done within the time specified in the insurance contract.
3. Write an application for a windshield replacement under CASCO.
4. Pass a technical examination to determine the amount of damage.
5. Prepare a package of necessary documents.

Only following this sequence, you can count on monetary compensation for all repairs that were carried out as a result of an insured event.

What documents do I need to prepare?

To receive compensation when replacing a windshield under a CASCO policy, you must provide the insurer with the following documents:

1. Certificate from the traffic police.
2. Copy of protocol.
3. Act on passing a technical examination, which determines the amount of damage suffered.
4. Decree not to initiate criminal proceedings if the damage was received from third parties.
5. CASCO policy.
6. STS.
7. Originalpassports.
8. Driver's license.

If you have incomplete insurance, then the documents in the first, second and third paragraphs are not needed.

Methods of receiving monetary compensation

After the technical examination is completed and the insurer satisfies the decision on payment of monetary compensation, the driver can receive compensation for the damage incurred in one of the following ways:

• windshield replacement for CASCO at the expense of the insurer at the service station;
• cash at the company office.

These methods have certain advantages and disadvantages, so it is necessary to dwell on each of them in more detail.

Replacement at the expense of the insurance company at the service station

This method is more preferable, because in this case the insurer not only pays for the work of mechanics to dismantle the broken windshield and install a new windshield, but also compensates for the cost of all materials, including the glass itself and the rubber seal. Thus, the work will be performed with higher quality, and the amount of their payment will be much higher than with the payment of cash. In addition, the insurer and service station representatives are interested in replacing the glass element as soon as possible, so the repair time is much less than paying cash compensation to the client. Do not forget that in VSK windshield replacement according to CASCO is considered completed only when the owner of the vehiclefunds checked the quality of the work done and signed the relevant document.

If the repair work was performed poorly, then in Ingosstrakh windshield replacement under CASCO falls under the category of insured events, so the company is obliged to completely eliminate all the shortcomings that will be found by the owner of the car.

Payment of monetary compensation

If you have replaced the glass yourself and want to receive monetary compensation, it is very important to complete the repair within the terms specified in the contract, after which it will be necessary to show the vehicle to the insurer's technical specialists, who must record the fact of the repair work performed. If these conditions are not met, then the insurance company may refuse to compensate for the damage suffered by the driver in the event of a repeated occurrence of an insured event.

What to do if the insurer refuses to fulfill its obligations?

If the insurer for some reason refuses to fulfill its obligations upon the occurrence of an insured event, then in order to receive insurance payments, you must do the following:

• pass a technical examination by an independent company, which must document the need to replace the glass element;
• sue the insurer.

If the litigation is won by the owner of the vehicle, the insurer will not only compensate for the damage suffered by the driver, but also compensate for all related costs and legalcosts.

What glass is installed on the car when replacing it?

Windshield replacement by CASCO involves the installation of such an element that was used by the manufacturer. It is allowed to install an analogue, however, this must be separately agreed between the UK and the owner of the vehicle. But this agreement does not make much sense for the motorist, since the copy is cheaper, and its quality is much worse than the original glass.

Besides this, factory-installed windows on a car may have the following options, which analogues are deprived of:

• glass heating to prevent freezing and fogging in winter;
• signature tinting;
• Protection against glare that can blind the driver and impair the quality of his vision;
• protective laminated coating.

In addition to replacing the glass itself, the insurer is obliged to pay the cost of all elements that are provided by the factory. If they are not replaced, the repair work performed is considered incomplete. However, the replacement of related elements must be specified in the contract, otherwise payment for their replacement is not made.

Conclusion

Windshield replacement under CASCO must be paid by the insurer only if the insurance covers the risks associated with theft or damage to the car during an accident, in which it is no longer possible to restore the car. italso applies to simplified insurance systems, however, the number of insurance payments in this case is limited.

To avoid various problems and unpleasant situations in the event of an insured event, you must carefully read the contract when applying for a policy. Particular attention should be paid to the list of risks covered by insurance. However, as practice shows, in most cases, the insurer fully compensates the cost of repairing or replacing all glass elements if they have received critical damage and cannot be restored.