| Message |
Author |
|
 Posted: Sat Jul 08, 2006 6:14 am Post subject: Glass Insurance |
|
|
Glass Insurance
Coverage for glass breakage caused by all risks; fire and war are sometimes excluded. Insurance can be bought for windows, structural glass, leaded glass, and mirrors. Available with or without a deductible. |
|
lakemen
Site Admin
Joined: 18 May 2005
Posts: 1279
319.21 Dollars($)
|
|
| Posted: Thu Oct 09, 2008 3:08 am Post subject: |
|
|
| Glass coverage isn't as complicated as most think. It really depends on the insuring company and also how the policy is witten. For example, a very well known company I worked for insured a lot of wealthy persons. Auto glass chips are usually repaired at no charge (up to two repairs). If the insured had "prestige coverage," the replacement of the windshield is covered (no deductible). If you have comp but not a prestige customer, you pay the comp deductible and the glass is replaced under your auto policy. |
|
MOAdjuster
New member
Joined: 08 Oct 2008
Posts: 11
6.17 Dollars($)
|
|
| Posted: Thu Oct 09, 2008 9:46 am Post subject: |
|
|
Many carriers also will waive a comp deductible if the windshield can be repaired rather than replaced.
_________________
"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. |
|
Lori
Moderator
Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
|
|
| Posted: Thu Oct 09, 2008 11:02 am Post subject: |
|
|
| I didn't know that part. We have always had to have oyrs completely replaced..never able to be repaired. I really think that is nice that they would consider waiving the deduct. |
|
fireyone
Senior member
Joined: 07 Jan 2008
Posts: 1993
2.31 Dollars($)
|
|
| Posted: Thu Oct 09, 2008 11:29 am Post subject: |
|
|
not all carriers do that but many do
_________________
"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. |
|
Lori
Moderator
Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
|
|
| Posted: Thu Oct 09, 2008 11:37 am Post subject: |
|
|
| I will have to check and see. If it saves a few dollars it would be good but my only problem is my husbands track record for hitting bambi. I swear he gets at least 1 a year. |
|
fireyone
Senior member
Joined: 07 Jan 2008
Posts: 1993
2.31 Dollars($)
|
|
| Posted: Thu Oct 09, 2008 12:02 pm Post subject: |
|
|
just check the difference say for 50-100, and check your collision deductible see if it's worth it
_________________
"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. |
|
Lori
Moderator
Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
|
|
| Posted: Thu Oct 09, 2008 3:05 pm Post subject: |
|
|
| Okay.. I have to call them tomorrow anyway. Ever since I moved I haven't gotteb written statements in the mail (keep requesting them) so I need to know since my policy renewed and their was a claim on it (brother truck vs husbands tractor) what the payment is. Thanks |
|
fireyone
Senior member
Joined: 07 Jan 2008
Posts: 1993
2.31 Dollars($)
|
|
| Posted: Fri Oct 10, 2008 3:13 am Post subject: |
|
|
| Lori gave great advise about checking you deductible before reporting your glass claim. If you have an expensive car, you may want to report it if your deductible is $500 or less. Some vey expensive cars have rain sensors and color tint and can be costly; however, some windshields can be anywhere from $200 - $700 and you may only have a $500 deductible. Call a glass shop in your area first and ask how much it would cost to replace the glass. Then call your insurance company to see what your deductible is. As far as repairs go, if the crack is in the view of the driver, it has to be replaced regardless of the size of the crack. If it's not in the driver's view and it's less than the size of a quarter, it can be repaired. I hope this helps. |
|
MOAdjuster
New member
Joined: 08 Oct 2008
Posts: 11
6.17 Dollars($)
|
|
| Posted: Fri Oct 10, 2008 8:41 am Post subject: |
|
|
| Quote: | | As far as repairs go, if the crack is in the view of the driver, it has to be replaced regardless of the size of the crack. If it's not in the driver's view and it's less than the size of a quarter, it can be repaired |
This was always the case, but in my area anyway not anymore...just found this out myself about two months ago..they can repair them right smack in the middle of the drivers site plain now..but they can't be over a certain size...also the tech. has gotten so good, the size of the damage that can be plugged is even bigger...largest glass company (i know anyway) says if it's the size of a PAPER dollar bill or less they can repair it...amazing..
_________________
"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. |
|
Lori
Moderator
Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
|
|
| Posted: Fri Oct 10, 2008 5:25 pm Post subject: |
|
|
| Wow. The size of a dollar bill is pretty big crack in my book but thats amazing. I wouldn't mind seeing something like this done. |
|
fireyone
Senior member
Joined: 07 Jan 2008
Posts: 1993
2.31 Dollars($)
|
|
