Will my auto insurance rates go up

[Doggiedog]

if I claim a broken windshield on it?

I found a huge crack in the windshield yesterday. Looks like a rock hit it. Prices for windshields are around $300 out of pocket.

Thanks.

 

[jlee]

I don't think so.

 

[olds]

No deductible on comp?

 

[Bignate603]

Originally posted by: oldsmoboat
No deductible on comp?

Many states have no deductible on glass damage.

 

[Doggiedog]

Originally posted by: oldsmoboat
No deductible on comp?

Ah crap.

Forgot about the deductible.

Just called the stealership and they want $956! Unreal! The auto glass places are all around $300.

 

[TridenT]

Originally posted by: Doggiedog

Originally posted by: oldsmoboat
No deductible on comp?

Ah crap.

Forgot about the deductible.

Just called the stealership and they want $956! Unreal! The auto glass places are all around $300.

You think you could get it online for cheaper? Hehe...

 

[blurredvision]

Originally posted by: Doggiedog
if I claim a broken windshield on it?

I found a huge crack in the windshield yesterday. Looks like a rock hit it. Prices for windshields are around $300 out of pocket.

Thanks.

$300? Had to replace a windshield on a car last year, and it was only $140 installed.

 

[Scouzer]

Originally posted by: blurredvision

Originally posted by: Doggiedog
if I claim a broken windshield on it?

I found a huge crack in the windshield yesterday. Looks like a rock hit it. Prices for windshields are around $300 out of pocket.

Thanks.

$300? Had to replace a windshield on a car last year, and it was only $140 installed.

Wow, that's cheap. Cost $400 on my car.

 

[Doggiedog]

Originally posted by: blurredvision

Originally posted by: Doggiedog
if I claim a broken windshield on it?

I found a huge crack in the windshield yesterday. Looks like a rock hit it. Prices for windshields are around $300 out of pocket.

Thanks.

$300? Had to replace a windshield on a car last year, and it was only $140 installed.

Seriously!

I had to get my Infiniti windshield replaced and it cost me $220. This car is a Scion tC and it's costing more. I can't believe the stealership had the balls to quote me $956.

 

[Gibson486]

It will not make your current rate go up, but it could be grounds for a hike in a future quote if you ever get another insurance company.

 

[Doggiedog]

Originally posted by: Gibson486
It will not make your current rate go up, but it could be grounds for a hike in a future quote if you ever get another insurance company.

IC. That's good to know.

Thanks!

 

[DisgruntledVirus]

Depends on your coverage.

Most of the big insurance companies include glass repair for something like $50 deductible, but not all. Other times it's part of your comp coverage. Other times it's free (usually if they repair the window and don't replace it).

It really depends on your policy. Without looking at it, I can't tell you if it is covered or not (and if it is what coverage it's using).

To answer the OP:
If you don't have any kind of coverage for it, then no it won't affect rates

If you have to file it under comp, then no it shouldn't affect rates (comp claims *generally* don't affect your rates, but can in certain situations and states)

If you have glass coverage, then no it shouldn't affect rates (once again unless certain circumstances, but generally it won't)

Best advice I can give you, is to call your agent and ask about glass coverage on your policy. They should be able to tell you what your policy covers.

 

[olds]

Originally posted by: DisgruntledVirus
Depends on your coverage.

Most of the big insurance companies include glass repair for something like $50 deductible, but not all. Other times it's part of your comp coverage. Other times it's free (usually if they repair the window and don't replace it).

It really depends on your policy. Without looking at it, I can't tell you if it is covered or not (and if it is what coverage it's using).

To answer the OP:
If you don't have any kind of coverage for it, then no it won't affect rates

If you have to file it under comp, then no it shouldn't affect rates (comp claims *generally* don't affect your rates, but can in certain situations and states)

If you have glass coverage, then no it shouldn't affect rates (once again unless certain circumstances, but generally it won't)

Best advice I can give you, is to call your agent and ask about glass coverage on your policy. They should be able to tell you what your policy covers.

True.
We had AAA. $50 deductable and the glass companies waive it.
Now we have USAA and the deductable for comp is $500.

 

[jlee]

Originally posted by: oldsmoboat

Originally posted by: DisgruntledVirus
Depends on your coverage.

Most of the big insurance companies include glass repair for something like $50 deductible, but not all. Other times it's part of your comp coverage. Other times it's free (usually if they repair the window and don't replace it).

It really depends on your policy. Without looking at it, I can't tell you if it is covered or not (and if it is what coverage it's using).

To answer the OP:
If you don't have any kind of coverage for it, then no it won't affect rates

If you have to file it under comp, then no it shouldn't affect rates (comp claims *generally* don't affect your rates, but can in certain situations and states)

If you have glass coverage, then no it shouldn't affect rates (once again unless certain circumstances, but generally it won't)

Best advice I can give you, is to call your agent and ask about glass coverage on your policy. They should be able to tell you what your policy covers.

True.
We had AAA. $50 deductable and the glass companies waive it.
Now we have USAA and the deductable for comp is $500.

They don't have a separate clause for auto glass?

 

[olds]

Originally posted by: JLee

Originally posted by: oldsmoboat

Originally posted by: DisgruntledVirus
Depends on your coverage.

Most of the big insurance companies include glass repair for something like $50 deductible, but not all. Other times it's part of your comp coverage. Other times it's free (usually if they repair the window and don't replace it).

It really depends on your policy. Without looking at it, I can't tell you if it is covered or not (and if it is what coverage it's using).

To answer the OP:
If you don't have any kind of coverage for it, then no it won't affect rates

If you have to file it under comp, then no it shouldn't affect rates (comp claims *generally* don't affect your rates, but can in certain situations and states)

If you have glass coverage, then no it shouldn't affect rates (once again unless certain circumstances, but generally it won't)

Best advice I can give you, is to call your agent and ask about glass coverage on your policy. They should be able to tell you what your policy covers.

True.
We had AAA. $50 deductable and the glass companies waive it.
Now we have USAA and the deductable for comp is $500.

They don't have a separate clause for auto glass?

Nope.

 

[God Mode]

Originally posted by: Doggiedog

Originally posted by: blurredvision

Originally posted by: Doggiedog
if I claim a broken windshield on it?

I found a huge crack in the windshield yesterday. Looks like a rock hit it. Prices for windshields are around $300 out of pocket.

Thanks.

$300? Had to replace a windshield on a car last year, and it was only $140 installed.

Seriously!

I had to get my Infiniti windshield replaced and it cost me $220. This car is a Scion tC and it's costing more. I can't believe the stealership had the balls to quote me $956.

I bet the stealership outsources their window work to other shops. $656 profit for almost nothing.

 

[Doggiedog]

Called around. Getting it done for $260.

Nice Christmas present for me. It's not even my car.

 

[rudeguy]

Originally posted by: oldsmoboat

Originally posted by: JLee

Originally posted by: oldsmoboat

Originally posted by: DisgruntledVirus
Depends on your coverage.

Most of the big insurance companies include glass repair for something like $50 deductible, but not all. Other times it's part of your comp coverage. Other times it's free (usually if they repair the window and don't replace it).

It really depends on your policy. Without looking at it, I can't tell you if it is covered or not (and if it is what coverage it's using).

To answer the OP:
If you don't have any kind of coverage for it, then no it won't affect rates

If you have to file it under comp, then no it shouldn't affect rates (comp claims *generally* don't affect your rates, but can in certain situations and states)

If you have glass coverage, then no it shouldn't affect rates (once again unless certain circumstances, but generally it won't)

Best advice I can give you, is to call your agent and ask about glass coverage on your policy. They should be able to tell you what your policy covers.

True.
We had AAA. $50 deductable and the glass companies waive it.
Now we have USAA and the deductable for comp is $500.

They don't have a separate clause for auto glass?

Nope.

Mine just changed too

I had never had to pay anything out of pocket for glass. Now its the full deduct...


To the OP:
If you tell the glass places that you are paying out of pocket and its not insurance, their rates go down quite a bit.

 

[Gibson486]

Originally posted by: God Mode

Originally posted by: Doggiedog

Originally posted by: blurredvision

Originally posted by: Doggiedog
if I claim a broken windshield on it?

I found a huge crack in the windshield yesterday. Looks like a rock hit it. Prices for windshields are around $300 out of pocket.

Thanks.

$300? Had to replace a windshield on a car last year, and it was only $140 installed.

Seriously!

I had to get my Infiniti windshield replaced and it cost me $220. This car is a Scion tC and it's costing more. I can't believe the stealership had the balls to quote me $956.

I bet the stealership outsources their window work to other shops. $656 profit for almost nothing.

LOL...I tried bringing my car to the dealer when my windshield cracked. I said they should fix it because it was under warrenty (only had 12K at the time) and it cracked to due to weather elements and not rocks. The crack started under the frame, so it was not due to me. They just said, "no, but it will only cost you $700 to fix that". It cost me nothing in end through insurance...except when I switched insurance. It came up as a claim, so they added $60 total to my policy. Better than paying $700,