1. If flying stones break the windshield of a car, it is an accident, first of all, the responsible party should be identified and compensated by the responsible party.
2. In the case that the responsible party cannot be determined, the flying stone shattered the car body. If the owner has purchased car damage insurance, he can immediately report the case to the insurance company, and after the on-site investigation is true, he can make compensation within the scope of car damage. If you don't buy car damage insurance, you need to bear the loss of repairing the glass yourself. If the windshield is smashed by a stone, the car damage insurance can compensate. After the auto insurance reform in 2020, glass insurance was merged into car damage insurance. In other words, if the windshield and window glass of the insured vehicle are broken, you can get the insurance company's claim. In addition, the car damage insurance includes a separate risk of glass breakage, but several situations that do not pay are still applicable.
1, glass film does not pay for many vehicles' glass will be affixed with explosion-proof film, while glass insurance only covers the individual loss of glass breakage, and the glass film on the glass surface does not pay for it.
2. The lost sign will not be compensated. There will be traffic accident signs, annual inspection signs and environmental protection signs. In the upper right corner of the front windshield. These signs are all disposable. If the glass needs to be replaced after being broken, the replacement cost of these signs needs to be borne by the owner himself.
3. The loss of additional equipment will not be compensated. Many electronic devices, such as driving recorders, will be installed on the upper and inner parts of the front windshield. If these equipment are damaged by broken glass, the insurance company will not compensate for the loss except the glass.
Legal basis:
Regulations on compulsory liability insurance for motor vehicle traffic accidents
Article 27 If an insured motor vehicle has a road traffic accident and the insured or the victim notifies the insurance company, the insurance company shall give an immediate reply and inform the insured or the victim of the specific compensation procedures and other related matters.
Article 31 An insurance company may directly compensate the insured or the victim. However, if the insurance company needs to pay or advance the rescue expenses for rescuing the injured, the insurance company shall pay or advance the rescue expenses to the medical institution in time after receiving the notice from the traffic management department of the public security organ.
If the rescue fund management institution needs to pay the rescue expenses for rescuing the injured, after receiving the notice from the traffic management department of the public security organ, the rescue fund management institution shall pay the rescue expenses to the medical institution in time after verification.