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 Posted: Thu Jan 24, 2008 12:11 am Post subject: Tip on Comprehensive Deductible |
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As an automobile salesman for several years ( 20 ) one of the most common insurance claims I noticed was windshield repair. Often times it's something as simple as a rock thrown into your windshield by the auto in front of you. This will cause a small "splatter crack" which of course can spread requiring a total windshield replacement and can quickly cost you at least the deductible on your policy.
However, in many cases you can save this expense by calling a windshield repair specialist. If caught quick enough and before your crack starts to spread, these specialist can repair your windshield to where it is barely noticeable for much less than your deductible. This not only saves that expense but also keeps a recorded claim off your policy which can help keep your overall premium lower. |
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mega
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| Posted: Thu Jan 24, 2008 7:05 am Post subject: |
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| Quote: | | However, in many cases you can save this expense by calling a windshield repair specialist. If caught quick enough and before your crack starts to spread, these specialist can repair your windshield to where it is barely noticeable for much less than your deductible. This not only saves that expense but also keeps a recorded claim off your policy which can help keep your overall premium lower. |
You are right Megan, but most of the time we are quite late at recognizing the cracks. And that leads us to the big expenses. Can you suggest us some of the ways to check the windshield for damages?
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niceatheart
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| Posted: Thu Jan 24, 2008 7:09 am Post subject: Welcome to ampminsure!!! |
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| Welcome to the forums, Megan!! Your expertise will surely help the community members to gain in terms of knowledge. I'm sure that your experience can help us in more than one ways. Hope you enjoy your stay ampminsure. |
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carol
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| Posted: Thu Jan 24, 2008 7:13 am Post subject: |
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Hi Megan, I'v already suffered from a damaged windshield few months back. Though I hadn't filed a claim with my insurer but had to spend out-of-pocket to fix it. I am keenly interested in learning the ways to keep my car's windshield intact. So, please share your ideas with us all.
Bardadozboyz 
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Bardadozboyz
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| Posted: Thu Jan 24, 2008 11:11 am Post subject: |
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| Quote: | | Welcome to the forums, Megan!! |
| Quote: | | You are right Megan, |
YOU ALL ARE CRACKIN' ME UP!  Our new member is "mega" and I'm assuming a male! | Quote: | | As an automobile salesman |
lol! Sorry Mega! 
What you need to look for or watch for are 'pits' or 'chips' if you run your finger nail over them you will feel that they have pitted or chipped your windshield, this is what can lead to a crack down the road...pits many times will not change unless they are pretty deep, (my company car w/s is literally covered in pits) a chip however that is pretty deep usually will and this will occur when tempatures fluctuate....
Couple of things important to mention...Some states will not allow ''plugging' or repairing of the windshield if it is the drivers 'sight plain', also ''some'' insurance companies will waive your comp deductible if the windshield will repair rather than replace! Something to check on...That is generally a company 'perk'...so ask your agent....
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Lori
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| Posted: Thu Jan 24, 2008 11:12 am Post subject: Thanks to everyone for the welcome |
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I am really enjoying the open atmosphere here and all those willing to help the newbies. Thanks!
Another little trick I learned over the years that most probably already know but for those who don't involves a simple plunger. Often times you will get those "parking lot" dings in your door panel from shopping carts that other have carelessly left just far enough away from your car as to where it starts rolling it gets enough force to put a nasty ding in your door .
While these dings will often times look very bad the door is actually hollow behind that nice panel. Try taking your plunger to pop it back out. You might be surprised at how often this will work and can save a lot of money versus trying to have a body shop repair done. Simple but often times effective. |
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mega
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| Posted: Thu Jan 24, 2008 11:14 am Post subject: |
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There are many companies that 'travel' that do this PDR (paintless dent repair) I have seen some really nasty nasty dents come out clean as a whistle!
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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: Thu Jan 24, 2008 11:20 am Post subject: Hi Lori |
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Thanks for the welcome. Yuppers I be a guy. Actually Kay suggested I join the here. (Strongly suggested as in the cast iron skillet upside my head if I did not), then you know what? She forgot to give me the link to join as a recommendation from her! HA HA HA. So I got hit with that skillet anyway when I just joined up while I was surfing the site! LOL
I swear there should be INSURANCE for men against women with skillets in hand!  |
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mega
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| Posted: Thu Jan 24, 2008 11:34 am Post subject: |
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| Quote: | | I swear there should be INSURANCE for men against women with skillets in hand! |
 Would that maybe qualify as combat pay/insurance?
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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: Fri Jan 25, 2008 5:05 am Post subject: |
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| Yeah, I know! He never even gave me credit, Lori, what do you think of that?! LOL. If I had swung that skillet, no court would have convicted me.... |
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lilacsigh
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| Posted: Fri Jan 25, 2008 10:35 am Post subject: |
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| Quote: | | Welcome to the forums, Megan!! |
| Quote: | | YOU ALL ARE CRACKIN' ME UP! Laughing Our new member is "mega" and I'm assuming a male! |
Sorry!! about misspelling your name Mega  and welcome once again to ampminsure. Lori has the eyesight of a hawk to discover the mistake. Hope she had enjoyed the blunder we all had made
| Quote: | | I swear there should be INSURANCE for men against women with skillets in hand! |
I understand your concern If the insurance companies launch such a policy in the market, my poor husband will be the first one to register for it
Thanks
Carol |
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carol
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| Posted: Fri Jan 25, 2008 10:48 am Post subject: |
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| Quote: | | Hope she had enjoyed the blunder we all had made |
yeah, what I enjoyed was the 'snow balling' of it! ha ha...
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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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