Carglass® compensates you for part of the deductible under the CASCO policy*

Basic concepts about CASCO insurance policy

CASCO – voluntary insurance of a car against damage, loss or theft. If one of these events occurs, the insurance company compensates the victim for damage within the amount agreed upon in the contract. The policy may provide cash payment or in-kind compensation - repair or replacement of a specific part.

Under CASCO, unlike OSAGO, the driver insures his own property. Therefore, it does not matter who caused the accident. The main thing is that the policy owner fulfills the terms of the contract.

Attention! CASCO is a voluntary type of insurance. The driver has the right to enter into an agreement for any amount not exceeding the cost of the car and provide for a certain number of risks. CASCO can be paired with MTPL, but does not replace it.

What is considered an insured event in case of glass damage?

Damage to a vehicle windshield is not always defined as an insured event. According to the CASCO agreement, the insurer can cover the cash costs of repairing such defects or refuse to pay compensation:

1. Fight - the product breaks as a result of various actions. In such situations, it cannot be restored, so a mandatory replacement of this element is necessary. The case is covered by insurance, regardless of the circumstances under which the defect occurred;
2. Cracks - their appearance occurs for several reasons: a sharp jump in ambient air temperature, exposure to various external factors. It should be noted that an insured event is considered to be a crack caused by an external influence - glass replacement is paid for according to the terms of the contract. If the damage occurs as a result of fluctuations in air temperature, the insurance company may refuse to compensate for losses. The cause of the cracks is determined using a special examination, the conclusion of which serves as the basis for compensation or refusal to pay it;
3. Chips – on the windshield of a car they can be divided into small and large (diameter exceeds 3 mm). Glass replacement at the expense of the insurance company occurs only if the damage is large, because small chips are considered minor defects. If the chip is barely noticeable, then the insurer has the right to refuse to cover the costs or to send the car for repairs to a service station, where, using modern technologies, they will eliminate the flaw without replacing the glass;
4. Scratches - when they appear, the windshield undergoes a special examination to determine the need to replace it. After all, some damage of this nature, for example, those that are outside the driver’s field of vision, belong to the category of minor damage and cannot be repaired at the expense of the insurance company. However, large scratches that impede the driver's clear view of the roads are a good enough reason to pay insurance for a windshield replacement;
5. Scuffs - most often such defects form in the area where the wipers move. Insurance companies do not consider them insured events due to the fact that they appear as a result of natural wear and tear on the surface of the windshield.

Types of windshield damage

Even the most careful driver can break or damage the glass. CASCO insurance coverage includes the following damage to the windshield:

Other defects (scuffs and clouding, scratches) are not recognized by the insurance company as insurance. This is the result of natural wear and tear on the windshield.

What kind of glass will be installed

It is worth considering that this is a fairly pressing issue that needs to be discussed before purchasing a voluntary protection form. According to the rules, the insurer is obliged to replace it with the original item. However, there is always a limitation according to which this right can be changed in the event of a force majeure situation.

In this case, force majeure situations may mean the fact that the original glass will not be available or on sale. In this case, the insurer and the policyholder must sign an additional agreement in which they discuss a new method of receiving payment, namely the establishment of an analogue.

Important! If the Client does not want to install an analogue, then the insurance company has the right to offer the client to change the payment method and transfer funds in cash to the client’s card. In this case, the client will have to pay for dismantling and all other repairs on his own.

Insured events under the policy

Car owners should be well aware of the terms of the contract with their insurance company. After all, as a rule, glass replacement under CASCO is possible if the damage occurred as a result of an insured event. These include:

• Road accidents – collisions of two or more road users, non-contact accidents, collisions with obstacles.
• Actions of third parties – intentional crimes and offenses.
• Fire is an uncontrolled burning or explosion.
• Natural disasters - storm, gale, strong wind, hurricane, hail, earthquake.
• Accidents on the road that did not occur at the will of the insured - stones, gravel from under the wheels of cars, hitting a hole due to subsidence of the soil, destruction of the road surface.
• Other situations in the parking lot that did not occur due to the will of the driver - falling of a tree, icicle, snow from the roof, impact of animals.

It is important to know! The exact list of situations is described in the insurance contract and depends on the needs of the client and the conditions of the insurance policy. For example, replacing a windshield under CASCO insurance at Rosgosstrakh is not possible if it is damaged due to exposure to animals.

What are the types of damage?

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The insurance industry market presents the following types of windshield damage that require mandatory insurance compensation:

• fight - trouble occurs due to a collision between two cars or as a result of an object hitting the windshield;
• crack - a situation in which damage occurs as a result of changes in atmospheric temperature. This type of damage is included in the category of the most difficult, since it is very difficult to replace a damaged part under an insurance policy;
• chipping is a deformation resulting from the use of physical force. Replacing glass with a new one is possible only if the diameter of the damaged part exceeds 3 mm;
• scratches are also included in the insurance situation. The only condition is a mandatory technical inspection. If, based on the results of the analysis, it turns out that the scratches are localized on the inside, or do not interfere with the driver’s good visibility, then the insurance will not cover the costs;
• abrasions are considered defects that have arisen due to a long period of use, so insurance is not valid in this case.

Conditions for windshield replacement are not available in all insurance organizations. There is a guarantee only when replacing an element under RESO and CASCO.

To finally determine whether compensation is due, the insurance policy user must perform the following series of actions on his part:

• First, read the conditions on the back of the CASCO policy, and pay special attention to the company’s liability in relation to damage to glass parts. If, after studying the conditions, nothing was found on this issue, this may indicate two options. The first is that this risk is not an insured event, or its policy does not have such rules, but only a small part of them. In such circumstances, a call is made to the insurer and this type of deformation is clarified. In some cases, the dimensions of the chip to be compensated are indicated. Typically, this figure is 2-3 mm. If the chips are less noticeable, they are most likely not eligible for reimbursement;
• if the text indicates the risks of damage to glass surfaces, then the number of allowable breakdowns in one year, covered by insurance without obtaining papers from the traffic police, should also be indicated there.

This means that as soon as an insured event occurs, the driver must immediately call the traffic police and the police, and also indicate the correct number of breakdowns directly from the insurer.

Conditions for windshield replacement under CASCO

Most insurance companies allow you to change or repair side, windshield and rear glass elements, headlights, mirrors without supporting documentation from the traffic police and other departments. Conditions depend on the contract. Windshield replacement under CASCO “RESO Guarantee” and “Consent” can be carried out an unlimited number of times while the policy is valid. And Rosgosstrakh provides this opportunity only to owners of cars and buses.

The standard procedure for replacing a windshield under a CASCO policy involves the insured person contacting the competent authorities, depending on the circumstances of the incident:

• Road accidents or any accidents that occurred while driving - to the traffic police;
• illegal actions of third parties, natural disaster, accident that occurred in the parking lot - contact the police.

The purpose of contacting the competent authorities is to confirm the insured event.
For example, glass can crack if a pebble hits it from under the wheels of another traffic participant. If this happens on the road, the driver must stop and call the traffic police. The arriving inspector will draw up an inspection report with a diagram and issue a decision to refuse to initiate an administrative case. With these documents, the CASCO owner submits an application to open an insurance claim. The insurance company orders an inspection of the car, and, if there are no grounds for refusal, issues a referral to a service station (service station) for repair or replacement of glass.

What benefits will I get if I replace the glass in Carglass®?

First of all, you will be provided with professional glass replacement services, since Carglass® is an international company operating in 34 countries, specializing in the repair and replacement of automobile glass. Additional benefits here.

Also, if you have CASCO with a franchise, Carglass® will compensate you for part of the deductible, provided that your CASCO policy covers damage to auto glass. Exactly which part depends on which insurance company has the policy. To find out the exact amount of compensation you need to call.

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Options for receiving compensation

An insurance contract may provide for monetary or in-kind compensation. As a rule, the second type is used for glass elements. When inspecting the vehicle, the appraiser determines whether a part needs repair or replacement, taking into account the recommendations of the vehicle manufacturer. Based on this, a referral to the service station is issued.

How the windshield will be replaced depends on the insurance rules and CASCO conditions:

• The insurance company issues a referral and then pays the bill from the service station. A good option for the client, as you can influence the choice of glass.
• The driver buys the part himself, and the insurance company reimburses him for expenses using a receipt, acceptance certificate or other payment documents and issues a referral for installation.

Which service station the client will be directed to depends on the insurance conditions. When replacing a windshield under CASCO insurance, Ingosstrakh gives the driver the right to choose “his” service station, but only from the proposed list. The list of stations with which the company has an agreement is quite wide: it includes many official dealers and authorized service centers.

What other features of glass will not allow you to pass MOT?

Not only the presence of defects in the form of cracks can prevent the successful completion of a technical inspection. Ordinary chips, which turn into cracks, can also cause concern, and this often happens quite quickly. There are other obstacles related to the appearance and condition of the windshield that will not allow you to obtain a diagnostic card:

• Mirror windshield or glass with a mirror film glued to it;
• Tinting not done according to GOST rules. In accordance with the rules, the throughput of the front glass should not be less than 75%, and the glass of the front doors should not be less than 70%. If the protective tint film is darker, you will not be able to pass the inspection. The glass of the rear doors and the rear window can be tinted with a film with any level of darkness;
• Foreign objects on the windshield - stickers, drawings, omissions. These interferences should not be present on the glass, as they will interfere with your view. Therefore, before maintenance, they should be removed (if they are still present). But you can decorate the rear window and rear door glass as you please.

What kind of glass is included under CASCO insurance?

As a rule, the vehicle is equipped with glass of the brand recommended by the vehicle manufacturer. The service station can offer an alternative option, especially if the “original” is not in stock and you need to wait a long time for its delivery.

Car manufacturers do not make glass themselves, but purchase them from suppliers and mark them with their stamp. Therefore, you should not demand from a service station, for example, a real “original” from Mitsubishi. In addition, ordering a part directly from AGC (glass supplier for Mitsubishi) will be cheaper than from a car dealer.

Glass elements are insured in the standard assembly - as provided by the manufacturer. If the driver upgraded the glass (equipped with a rain sensor, heating) and did not warn the insurance company about this, in the event of an insured event, it will pay for the new part only in the “original” configuration.

What applies to glass elements of a car under a CASCO policy?

It is important for many car owners that most policies, and we are talking specifically about the CASCO insurance system, provide for a simplified application procedure for such an insured event, which is damage to the glass in a car.

The owner of a vehicle, when replacing glass under his policy, will not have to visit law enforcement agencies and spend personal time collecting certificates. This condition must be specified in the policy. Be careful when signing this document.

If there is no specified condition in the contract, you should contact your insurance agent. Most likely, the glass replacement procedure will be significantly simplified.

However, there are also pitfalls here, hidden in the fact that when using the procedure without providing certificates from the traffic police, many insurance companies stipulate in the policy a limited number of requests for replacement glass under CASCO.

The list of glass elements of the car, which is compiled by insurance companies and replaced under the CASCO policy, includes:

• body glass, both front and rear, or trunk lid glass;
• rear view mirrors;
• light direction indicators;
• lights indicating the dimensions of the vehicle;
• brake lights;
• main vehicle optics (headlights).

Naturally, a completely logical question arises - how to replace glazing, such as headlights, if they are made of plastic? The answer is simple and banal: not a single insurance company has yet refused its clients on this request.

In what cases can the insurance company refuse?

There are many unpleasant situations in which a windshield cracks or breaks. But this problem is not always solved with the help of insurers. They will refuse to replace damaged glass if the driver:

• violated the vehicle operating rules established by the manufacturer, the terms of the contract, and the legislation of the Russian Federation;
• drove a car that was obviously faulty;
• did not have the right to drive a vehicle (he was deprived of his license, he was drunk);
• he himself caused damage to the car maliciously or accidentally, if this was not a consequence of an insured event;
• fled the scene of an accident or refused to undergo a medical examination (which is equivalent to driving a car while intoxicated according to Article 12.26 of the Code of Administrative Offenses of the Russian Federation);
• engaged in private driving for money, taught driving or participated in races (in such cases, insurance must be taken into account the planned activity);
• gave false information when concluding the contract;
• did not pay the insurance premium on time. Thus, replacing glass under CASCO insurance in Ingosstrakh is impossible if the driver is late with the next installment by more than 5 days - this leads to automatic termination of the contract.

Attention! There will be a refusal if the glass was damaged during a nuclear or radiation disaster, military operations, or during loading or unloading a car. All these are not insurance cases. An unlawful refusal by the insurance company can be challenged in court.

When can they refuse a replacement?

It must be taken into account that an organization may refuse payment for various reasons. Let's consider the most common cases of failure, which are included in CASCO and are described in the rules:

Replacement under a policy with a deductible

A deductible is the portion of losses that insurance companies do not cover when an insured event occurs. This condition significantly reduces the cost of CASCO insurance. Simply put, for a certain discount when taking out a policy, the client is ready to take on part of the cost of restorative repairs of the car.

There are many types of franchises. By default, unconditional is used, which is taken into account every time an insured event occurs. However, for most insurance companies, the franchise does not apply if glass elements are damaged if they require repair rather than replacement.

If the defect is not repairable, the deductible may make contacting the insurer pointless. For example, it is unconditional and amounts to 10,000 rubles, and the purchase and installation of a new part costs 8 thousand rubles. In this case, in fact, the client himself will pay the service station. The only plus is that glass replacement is cheaper than the same service provided separately to a private individual.

After replacing the glass, you must immediately show the car to the insurance company. If this is not done and a new breakdown occurs, the insurance company will not pay for repairs or replacement.

After inspecting the car, the Investigative Committee employee draws up a final report. By signing on it, the client confirms that the company has fulfilled its obligations under the contract. However, this does not relieve her from further liability if it turns out that the glass is defective or installed using the wrong technology.

Features of the franchise agreement

CASCO contracts in the Russian Federation may be concluded with the condition that the voluntary property insurance policy contains a franchise. It means a portion of losses in a fixed amount or as a percentage of the insured amount, which is not subject to compensation by the insurance company.

There are two types of franchises:

• conditional;
• unconditional.

In a conditional case, the insurer is generally exempt from paying compensation or organizing restoration repairs if the amount of losses does not exceed the amount of such a deductible. For example, the policy establishes a conditional deductible of 5,000 rubles. Accordingly, if the damage to the glass is estimated at 4999 rubles, then the insurer will not pay anything at all, but if it is 5001 rubles, then it will pay in full.

If unconditional, the insurer will in any case be obliged to pay compensation or organize restoration repairs. However, the amount of compensation will already be determined as the difference between the amount of damage and the amount of this deductible. For example, an unconditional rate of 5,000 rubles has been established. The damage to the glass was estimated at 12,000 rubles. Accordingly, the insurer will be required to pay only 7,000 rubles.

What is a CASCO franchise - video:

What types of restrictions may there be when replacing glass under a CASCO policy?

A complete list of rules for replacing or repairing damaged glass must be specified in the insurance contract.

The most common situations in which insurance companies may impose a ban on compensation are as follows:

1. A limitation associated with the number of claims by the policyholder for a certain period. Most insurers are trying to introduce a limit of two, maximum three, claims from one client per calendar year. This feature must be specified when concluding the contract.
2. When a car owner takes out a CASCO policy solely for the option of illegal actions in relation to his property. In this case, there is a theft, and the insurer has every right to legally refuse to repair or replace the damaged glass.
3. Some insurers, in order to lure clients, offer to draw up an agreement with a simplified scheme for compensation for financial losses. If such conditions are specified in the policy, then the car owner can contact his company and receive money or replace the damaged element without providing a certificate from the traffic police.
4. Before visiting the nearest office of your insurer, you must carefully study the signed contract.

It is especially important to make sure that the resulting damage to the glass element of the car complies with and falls within the definition of an insured event.
It must be remembered that the appearance of any kind of damage to the car glass without the influence of external factors does not apply to insured events. That is, if a crack in the windshield appears due to changes in temperature conditions or natural deformation of the car’s body elements, the insurer will most likely refuse compensation.

Such cases, unfortunately, are not uncommon. There are a large number of modern cars that, when used in Russian winter conditions, are subject to slight displacement of body parts. And even if such a displacement is negligible, it is enough for cracks to appear on the glass. Insurers classify such situations as defects related to the design features of the car and do not pay compensation to owners.

In this case, you will have to contact a service center, based on the make of the car, and demand replacement of the damaged glass in accordance with the dealer’s warranty.

A situation often arises when the dealer who sold the car refuses to replace or repair the damaged glass element. In this scenario, you need to arm yourself with patience and obtain from the service center, as well as from the insurance company, paper indicating the reasons for the refusal.

Next, you need to contact an independent expert, find out the real cause of the damage, and write a statement to the court with all the documents. In any case, the consumer will win. But the costs, including legal costs, will be reimbursed by the party that refused to repair the damaged glass, but at the same time had to do it.