When broken glass occurs as damage from a collision, what is the purpose of covering this breakage under collision loss?

Covering broken glass under collision loss serves a practical purpose by allowing policyholders to avoid having to meet separate deductibles for comprehensive and collision coverage. When glass is damaged, it can often be a gray area concerning whether the claim falls under a collision incident or a comprehensive event (such as theft or vandalism). By including glass damage within the scope of collision coverage, insurers streamline the process for the insured by simplifying claims related to damage incurred during an accident. This means that policyholders do not have to navigate multiple deductibles and can have a clearer understanding of what coverage applies to their claims.

This approach also aims to encourage policyholders to file claims without fear of being penalized by having to pay multiple deductibles, which could deter them from claiming covered damages altogether. Ultimately, it promotes better customer satisfaction and a more efficient insurance experience.