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Does an auto glass claim increase your premium?

S

steppinthrax

Diamond Member
Here's the deal, I have full coverage on our mini-van. Rock it the windshield and it resulted in a crack (larger than a dollar bill) across the entire windshield. Called Liberty Mutual, I have no deductible, so they will replace it for free.

Question: I imagine the cost would roughly be $130 -200 out of pocket, is it a better idea to just pay for it out of pocket, considering it could result in an increase of my policy by the renewal?
 
steppinthrax said:
Here's the deal, I have full coverage on our mini-van. Rock it the windshield and it resulted in a crack (larger than a dollar bill) across the entire windshield. Called Liberty Mutual, I have no deductible, so they will replace it for free.

Question: I imagine the cost would roughly be $130 -200 out of pocket, is it a better idea to just pay for it out of pocket, considering it could result in an increase of my policy by the renewal?
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I WANT to say that only collision based claims are something they can ding you for. But I'm not 100% on that.

Personally, even if i don't put in a claim my premiums seem to always increase. The only way for me to keep my costs down is just jumping around every 6 or 12 months to a competitor.
 
I have probably had 3 or 4 windshields replaced. My premiums have not gone up.

You can always ask your insurance company it if will affect your premiums.
 
i asked this question to my bodyshop and he said no it does not, unless you have 3-4 a year same with deer collisions.
our insurance also has glass coverage so I dont know if that matters.

peace
 
Stopsignhank said:
I have probably had 3 or 4 windshields replaced. My premiums have not gone up.

You can always ask your insurance company it if will affect your premiums.
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Ryland said:
Same here.
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Might I ask... when you guys say it has not affected your premiums... What exactly are you telling us? That your 6-month insurance bill of $600 stayed at $600 for the 5 years straight? because that's not how mine ever works. They always try to feed me some bullshit like "rah rah rah, inflation, more accidents in your area, <Insert bullshit here>".
 
s0me0nesmind1 said:
Might I ask... when you guys say it has not affected your premiums... What exactly are you telling us? That your 6-month insurance bill of $600 stayed at $600 for the 5 years straight? because that's not how mine ever works. They always try to feed me some bullshit like "rah rah rah, inflation, more accidents in your area, <Insert bullshit here>".
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I have the opposite experience. Mine have gone down every year, though it's only like by $30-40 dollars per 6 months. I haven't filed a claim in years though.
 
If you are going to have a policy that has no deductible then use the policy. If you are worried about your premiums going up because of a claim of this type then simply change the policy afterwards to something like a $250 deductible and then weigh the costs of paying for an unclaimed repair vs. a claimed one.

I've replaced one windshield on my wife's old Honda Accord back around 2002 and my Toyota pickup last year. The costs seem to be going down on paying for it without filing a claim, but then again I do not have a zero deductible and have only filed one claim while with my insurance provider this past ~ years. My deductible is $250, but I also live in a market where premiums seem to go up no matter what and I can only guess it is the market I am tied to (Atlanta).
 
Stopsignhank said:
I have probably had 3 or 4 windshields replaced. My premiums have not gone up.

You can always ask your insurance company it if will affect your premiums.
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I have had 3 windshields replaced on my two cars in the past 10-12 years, due to rocks
from other cars/semis. My work commute has one of the worst freeway stretches for this, where I live.

My insurance has never gone up because of that. I just make a claim with my comprehensive, zero deductible and its no cost to me.
Around 14 years ago, a car in front of me "picked up" one of those "alligators" that peeled on a semi truck's tire and it became airborne. Driving at 65-70,
I couldn't avoid being hit by it and it tore up my truck hood and wrecked the grill (steel belts shredded it). Nearly 3K in damages back then, but it was fixed for free
under my comprehensive, zero deduct and my insurance never went up.

Regarding my insurance not going up. My insurance, literally did not go up a dime for at least 5-6 years, which had 2 claims in that period, ( at least one windshield and that ~3K hood damage)
 
s0me0nesmind1 said:
Might I ask... when you guys say it has not affected your premiums... What exactly are you telling us? That your 6-month insurance bill of $600 stayed at $600 for the 5 years straight? because that's not how mine ever works. They always try to feed me some bullshit like "rah rah rah, inflation, more accidents in your area, <Insert bullshit here>".
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You are a retard. Your premiums going up have nothing to do with making a claim for windshield replacement.

I've had my windshield replaced a couple of times, no affect on my premium.
 
Capt Caveman said:
You are a retard. Your premiums going up have nothing to do with making a claim for windshield replacement.

I've had my windshield replaced a couple of times, no affect on my premium.
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'

When your insurance premium goes up , do they actually give you a reason WHY it goes up? I've never had an accident, BUT I have had a windshield replaced through my liberty mutual insurance. My insurance rates did go up this year, but I also moved to a different zip code and the rates were way higher, even though my new house is less than a mile away from my old one. We had to switch to another company and then saved a ton over liberty mutual.
 
Whether you will get an increase is going to vary by insurer but know that it will show up on your CLUE report. CLUE is the database that insurers use to record and share claim information. It may not effect you now, but it could in the future should you change insurers. It's important to remember that insurance companies are in the business of taking money in, not paying it out. In some states they can operate completely different than in other states too, so any information you get here may be useless unless the poster is in the same state.

A quick story. I changed insurance companies. Forgetting that the new one didn't even offer glass coverage in any form, I called them about getting a stone chip repaired using the resin process. My previous insurer would cover that in full with no charge to me. The new company filed my inquiry in CLUE as a claim! Even though they didn't offer the coverage and didn't pay out one penny!

Watch yourself. Me, I'd pay out of pocket for that windshield. Lastly, you are entitled to a copy of your CLUE report. Just Google it.
 
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Windshield claims were a scam in my area for awhile, I had a couple valid ones myself. Jeep Cherokees seemed to be prone to them.

It never affected my insurance, but there were several window replacement services in the area that were suspect for just breaking a windshield for the ease of it and making money in the mid 90's

I worked with one guy had a friend with a body shop was doing some questionable things at the time, he and his buddy eventually were busted for it I believe.

I never saw anything happen in person, so anything I would have said would have been just unsubstantiated to begin with, I wouldn't have ratted the guy out, but he broadcast some things so often it was ridiculous.

He was one of those guys that would drive his 5.0 Mustang around with the top down with an old brick cellphone when he did not even have cell service to try and look impressive type of twits.
 
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Capt Caveman said:
Nope, you're the one that fails. Try re-reading your post retard.
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No... not really.

I made 2 posts, the first was in reference to windshield claims where I stated that windshield claims shouldn't affect premiums.

The 2nd post - the one you quoted - was clearly in reference to a related topic simply asking others if their insurance price rises over time. The post doesn't even have the word windshield in it dumbass.

Hope you feel extra stupid. Rather sad I have to spoon feed it to you.
 
s0me0nesmind1 said:
No... not really.

I made 2 posts, the first was in reference to windshield claims where I stated that windshield claims shouldn't affect premiums.

The 2nd post - the one you quoted - was clearly in reference to a related topic simply asking others if their insurance price rises over time. The post doesn't even have the word windshield in it dumbass.

Hope you feel extra stupid. Rather sad I have to spoon feed it to you.
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WTF, are you seriously this stupid? All of your posts are in reference to windshield claims raising your premiums. God you're an idiot. Again, go re-read your posts and what you're referencing to, retard.
 
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