How is a moonroof different from a sunroof?

Traditionally, a sunroof is an opaque panel — painted to match the car's body color — that the driver can open or remove to let in light and fresh air. Once a common option, the traditional sunroof isn't seen much anymore. The modern version is the moonroof, a piece of tinted or transparent glass to let in light that may also open for fresh air. A moonroof might include a sliding interior panel to block the extra light, giving passengers more options.

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What is the key difference between a sunroof and a moonroof?

Technically, a moonroof is a type of sunroof. The number one difference between the two is whether there's a piece of glass – especially one visible from the outside of the car – that allows you to let in light without opening the car to the elements. If you are buying a new car and the new car you’re considering has a glass panel rather than an opaque panel, it has a moonroof.

How does insurance protect a sunroof or moonroof?

Generally, glass damage, including damage to a moonroof, is covered under comprehensive car insurance coverage or auto collision coverage. Comprehensive coverage may apply if your sunroof is damaged unexpectedly, such as from a tree falling on your car or a hail strike. Collision coverage may apply if your sunroof is damaged in an accident with another vehicle or stationary object.

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