by goodnatured » Fri Nov 21, 2008 05:15 pm
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.
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.
Posted: Sun Jan 04, 2009 07:04 pm Post Subject:
This is really great news. I think one of my biggest fears and why I usually do not drive in winter is hitting someone else and it being my fault. First the whole insurance claim thing would worry me and secondly if I ever hurt someone and casued injuries (kind of like my own or worse) to someone else. It would probaly live in my conquence forever.
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