Core Insights - A series of earthquakes measuring 7.9 and 6.4 occurred in Myanmar on March 28, impacting areas in Yunnan Province, China, prompting immediate responses from local insurance companies [1] Group 1: Insurance Company Responses - Local insurance institutions quickly activated emergency response plans and mobilized to assist in disaster relief and claims services [1] - As of March 28, 19:00, Yunnan insurance companies received 33 claims with an estimated loss of 534,300 yuan, and had completed claims totaling 75,000 yuan [1] - People’s Insurance Company of China (PICC) Yunnan branch processed 81 claims by March 29, including one vehicle insurance claim and 80 non-vehicle claims, with the first payment of 13,000 yuan made within hours [2] - Ping An Property & Casualty Insurance completed its first vehicle insurance claim of 15,000 yuan in just 8 minutes, with total claims reaching 73,000 yuan by the evening of March 28 [3] - China Pacific Insurance (CPIC) established a frontline service team and an emergency service point to expedite claims, while also providing psychological support for affected employees [4] Group 2: Industry-Wide Actions - Multiple insurance companies, including Xinhua Insurance, Yongcheng Insurance, Bank of China Insurance, Yong'an Insurance, Jintai Insurance, and Hu'an Insurance, activated emergency plans and formed leadership teams to prepare for claims services [4]

Core Insights - Comprehensive insurance policies typically cover windshield repair or replacement costs, which can vary significantly based on vehicle technology and damage extent [1][4][5] Cost of Windshield Replacement - The average cost for a windshield replacement claim is approximately $400, but for vehicles with advanced features, costs can exceed $1,000 [3] - Repairing a windshield is generally less expensive, with services starting around $20, depending on the damage [9] Insurance Coverage for Windshield Damage - Comprehensive and collision coverage will cover windshield replacement in various scenarios, including accidents and vandalism [5][6] - Homeowners or renters insurance may also cover windshield damage if it occurs due to negligence on someone else's property [7] - Full auto glass coverage can be purchased as an add-on, beneficial for those in areas with severe weather or frequent road debris [8] Deductibles and Claims Process - Windshield claims may be subject to deductibles, which can affect out-of-pocket costs; for example, a $250 deductible on a $450 replacement means the insured pays $250 [13][14] - Some states allow for deductible waivers for windshield claims, while others offer coverage options that are not subject to deductibles [15] - The claims process involves understanding coverage, assessing damage, confirming deductible amounts, obtaining quotes, and filing claims [20][23][24][25]