The 13D-Limited Glass endorsement removes coverage for accidental breakage of glass (all glass) which almost exclusively means rock chips & cracks on the windshield. If you're unlucky enough to get one of those spontaneously exploding sunroofs, that wouldn't be covered either. You would however still be covered, subject to your deductible, for glass damaged by way of something like vandalism (someone trying to break into your car) or a collision. So if you roll your car and break the pano-roof, you're covered.
With that said, I've yet to see a client's pano-roof damaged in any way.
Edit:
Here's the actual wording (legal fine print) of the 13D endorsement:
The Insurer shall not be liable under Subsection 3 – Comprehensive of Section C – Loss of or Damage to Insured Automobile for loss or damage to glass unless such loss or damage is caused by:
• impact with a live undomesticated animal;
• another automobile striking the described automobile when the described automobile is not in use or operation;
• fire;
• lightning;
• theft or attempted theft;
• windstorm;
• earthquake;
• hail;
• explosion;
• riot or civil commotion;
• falling or forced landing of aircraft or parts thereof;
• rising water;
• the stranding, sinking, burning, derailment or collision of any conveyance in or upon which the automobile is being transported on land or water; or
• vandalism to windows other than the front window.
If more than one automobile is Insured under this Policy, this endorsement applies only to the automobile(s) described under item(s) number …….. of the
schedule of automobiles attached to and forming part of the Policy or as listed in the Certificate of Automobile Insurance.
Except as otherwise provided in this endorsement, all limits, terms, conditions, provisions, definitions and exclusions of the Policy shall have full force and
effect.
If any of the glass, including sunroof / pano-roof are damaged in an accident then that falls under the collision or liability portion of the policy.
Last edited by Masked Bandit; 04-26-2024 at 07:56 AM.
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