Auto Glass Deductibles vs. Market Pricing

by Doug » Wed Oct 08, 2008 05:00 pm
Posts: 1
Joined: 08 Oct 2008

Need some guidance.

We are launching a new application that matches an insured's deductible to market pricing through a website called The site will show if it is better to make a glass claim or fix outside the insurance channel. Why pay the deductible if you can get a more cost effective solution elsewhere? The tough part is reaching the decision makers in the insurance community to give presentations. Should the direction be to focus on Claims department or Marketing/Sales department?

Any help is appreciated.

Total Comments: 12

Posted: Wed Oct 08, 2008 08:19 pm Post Subject:

Definately should gear toward the claims dept...Physical damage or glass unit.

Posted: Wed Oct 08, 2008 10:43 pm Post Subject:

I agree here with Lori. The only thin g is some people only have a $50 glass deductible (speaking of my policy) so wouldn't it be hard to fix a windsheild for mess or the same amount as that? I know windshields are fairly expensive and some do not have the coverage so those people would do well to visit your site. Some people also turn to jun yards to get windsheilds. We did that once too.

Posted: Wed Oct 08, 2008 11:27 pm Post Subject:

fireyone if you're carrying a 50 dollar deductible on comp, and a low ded on collision just an fyi, you should check the difference in your premium if you increase these deductible i think you will be reallllllllllllly surprised...

Posted: Thu Oct 09, 2008 11:17 am Post Subject:

I am carrying low deductibles. If raising them will lower my insurance each month then I would def. consider doing it. As soon as all this other stuff ends I am switching companies. I found some cheaper and better ins. plus no one at the office where I get ins. really explains anything. Probaly because I have been there for like ever and they think I actually understand all this.

Posted: Thu Oct 09, 2008 11:27 am Post Subject:

raising comp and collision deductibles generally have a dramatic effect on the could do that now without having to wait until your claim is resolved one has zero to do with the other.

Posted: Thu Oct 09, 2008 11:42 am Post Subject:

Oh okay. do they both go hand in hand? Meaning if I raise collison does comp raise automatically? I am fearful of raising comp because my hubby works either early morning or late at night and drives when the deer are moe likely to be moving...that and the population of those suckers around here. He is ntorious in hitting them. That is why I would be afraid to raise comp. deduct.

Posted: Thu Oct 09, 2008 12:01 pm Post Subject:

Oh okay. do they both go hand in hand? Meaning if I raise collison does comp raise automatically?

no they are separate, you can have any deductible on 50 ded on comp 1k on collision...anyway you want...

Posted: Thu Oct 09, 2008 03:22 pm Post Subject:

Oh I always thought they were like one coverage. Thanks for explaining.

Posted: Fri Oct 10, 2008 06:47 am Post Subject:

He he … no wonder, we pronounce them like Siamese twins, but they are separate.

However, if you are fearful that you might suffer collision with a deer, then you are required to increase your comprehensive coverage of your policy, since deer accidents are covered under the comprehensive coverage and not collision. Weird huh?? :wink:


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