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 Posted: Fri Nov 21, 2008 5:15 pm Post subject: Glass |
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Last year I had a piece of debri from the road fly up and crack my windshield and crack it two days after my inspection. I called my insurance company only to find out that I do not have glass, I had it on my prior policy, this one was supposed to have the same coverage but I found out through experience that it does not.
Anyway, since the crack was near the bottom I waited till my next inspection, next week to get the windshield replaced. Since I had glass on my last policy I know that it was around $250 to replace one, I always had to pay the deductable of $50.
So now with no glass coverage, I shopped and found two shops that could replace my windsheild for $160, that included them coming and picking up the vehicle at my job.
My question is, why is it more for the insurance company to replace the windshield than if I pay for it out of pocket.
I am glad it is the lower price, but I think these prices on repair affect the cost our insurance premium. Is this common practice and why do the insurance carriers let this go on. |
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goodnatured
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| Posted: Sat Nov 22, 2008 7:03 am Post subject: |
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In some places the replacement of the windshield will cost around $500 for the originals and $250 to $300 for the aftermarket including installation charges. Are you sure that $160 will cover all the expenses and there is no other cost hidden that you're not aware of?
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coffee&caramel
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| Posted: Sat Nov 22, 2008 7:32 am Post subject: |
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| Quote: | | My question is, why is it more for the insurance company to replace the windshield than if I pay for it out of pocket. |
That's may be because windshield coverage is the no#1 claim that is filed against the auto policy in USA. And, higher frequency of claim also affects the rate. Therefore, glass coverage may cost more.
If you consider a particular coverage as redundant you better choose the option of paying it out-of-pocket.
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BirminghamDweller
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| Posted: Sat Nov 22, 2008 12:06 pm Post subject: |
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good, most larger carriers have contracts with national glass chains, that go to the vehicle and replace the glass (not take the vehicle and bring it back! yikes!  ).... depends on the 'type' and grade of the glass you are having replaced....and over all the contracts they have with these providers save them a ton of money, now on one particular vehicle in one particular area you might find it cheaper somewhere else, but over all they save money going with these national vendors, then of course the warranty etc.
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Lori
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| Posted: Tue Nov 25, 2008 12:03 pm Post subject: |
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| That explains it pretty well. I am glad to see you didn't have to pay a bundle to fix it. I would have felt a little wary of them taking my vehicle..thats really scary. Are you going to call your insurance comapny and have them add glass? |
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fireyone
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| Posted: Tue Nov 25, 2008 12:11 pm Post subject: |
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I guess some states have ''glass'' coverage, in my state it is all covered under comprehensive. are you all saying there is a separate coverage (aside from comp) that covers only glass?
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Lori
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| Posted: Tue Nov 25, 2008 11:58 pm Post subject: |
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| No I just call it that. It probaly is comprehensive. Were just a little backwards. Just like when someone hits a deer we say "do you have deer damage on your policy?". Sometimes it is easier than asking about comprehensive and then having to explain what your talking about. Believe it or not I actually had thought it was called "glass" and "deer" until I was in my mid twenties. When we hit our first deer I called the insurance company and actually asked if we had "deer damage". LOL |
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fireyone
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| Posted: Wed Nov 26, 2008 1:16 am Post subject: |
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| Quote: | | called the insurance company and actually asked if we had "deer damage". LOL |
and the ins company said, ''sounds like you do now!" BA-DUM-DUM-BOOM!
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Lori
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| Posted: Wed Nov 26, 2008 2:30 am Post subject: |
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| Good come back...I liked that.. So say your going down the road and hit a cow.....is this comprehensive too? I actually wonder if that has happened..I bet it has. |
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fireyone
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| Posted: Sat Nov 29, 2008 4:14 am Post subject: |
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I have always referred to it as glass and they specifically said that I had no glass coverage. So yeah, I think that Pa actually has a specific coverage that is called glass, at least that has always been my impression. They always specifically ask about glass.
hey coffee, I had it done last friday, it was $160 total, out the door and delivered to where I work. Only thing is that I did not get my free can of glass cleaner that they promised me. |
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goodnatured
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| Posted: Sat Nov 29, 2008 11:39 am Post subject: |
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To the best of my knowledge [which isn't totally non-existent] here in Pennsylvania pretty much anything that strikes your car [other than another car] is covered by Comp.
Things like:
Deer
Bear
Rabbit
Cow
Horse
Dog
Bird
Stone (glass, paint chip, dent, etc.)
Tree limb
Chestnut
Water
Hail stones
Fire
Thief
Vandalism
and a few more that I didn't think of yet.
FK, |
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FK
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| Posted: Sat Nov 29, 2008 2:16 pm Post subject: |
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that's pretty much universal i think fred...and ''glass'' in and of it's self is a peril under comp, meaning if your glass is broken for whatever the reason...i'm confused by this ''glass coverage'' rather than glass covered by 'comp'.....
you forgot one fred...people...  yep that's comp...comp really covers about anything other than a loss that would be considered a collision loss under the coverage...basicially comp is a collision with any other object that is mobil and hits you first...
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Lori
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| Posted: Sat Nov 29, 2008 4:20 pm Post subject: |
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| I think it is comp too but lately when I began looking into different places for cheaper insurance quotes I ran across something that would apply to this post. One of the questions on there was "do you have glass coverage?" It made me think of this post right away. I still believe it may be comp but maybe it can be a part that you can either have or not have? This is why I could not work in the insurance world...seems really complicated. |
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fireyone
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| Posted: Sun Nov 30, 2008 7:08 pm Post subject: |
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it is complicated...i'm wondering if maybe PA and some other states, offer regular comp which would cover glass as a peril...but also 'just' glass coverage, meaning, no other comp perils apply you only have coverage for the glass...when i get some time i'll research the doi page for pa it's likely in there if they do sell this ''glass'' coverage (only) as an option.
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Mon Dec 01, 2008 1:11 am Post subject: |
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| I asked a few family members about this at a recent birthday party and apparently they were given the option to have "glass" on the policy. It really isn't something I have thought about because there are always the same option we just make sure we have every year. Kind of like going to a grocery store once a week and just knowing milk and bread are on the list..ya know? |
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fireyone
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