Cool..thanks. Didn't know if it was my policy or the state.

Regardless, if it's under the deductible, OP, I'd go ahead and foot it.

 

Four or five states require zero-deductible on wind-shields (to prevent people from being cheap and ending up blinded by on-coming traffic and killing somebody). Florida and Massachusetts are two of them. Can't remember the others, but Iowa isn't one of them.

edit: have I mentioned my total lack of a JD lately?

 

Did this really just happen??

 

That's not necessarily true.

I am also an insurance agent, and there are some inaccuracies that you stated that need to be addressed.

1. While claims do show up on the reports, it doesn't necessarily count against you. On policies that offer roadside assistance as an optional coverage, even towing and labor claims will show up on the reports, but those certainly don't affect your rates.

2. Most companies have tiers of claim amounts that are weighed differently, and typically the threshold is $1,000, as the quoting side of insurance (at least from the agency interface) allows you to select "Comprehensive Claim under $1000" or "Comprehensive Claim $1,000 or greater," so a comprehensive claim doesn't necessarily mean you are screwing yourself. Something insignificant like a windshield or other glass claim (which usually doesn't even reach $500 anyway) generally won't cause a dent in your insurance rates or even how you are viewed by your insurance companies. But if you have multiple comprehensive claims, especially if they are over $1,000, then the insurance company might take action, whether it's increasing your rates or not renewing your policy (or just declining the policy, if it's new business). But it rarely does any harm, again because comprehensive claims are not indicative of a riskier client since it does not necessarily reflect driving ability.

3. The MVR does not show claims, only the CLUE does -- you should know that. The MVR coincides with any driving activity documented or cited by law enforcement (or the DMV), such as violations/convictions and suspensions. Accidents will show up, but usually only if you are documented as the at-fault party when law enforcement is involved, typically when you are also cited for something else at the time of the accident (i.e., speeding or failure to obey traffic device). The CLUE report shows ALL claims, whether at-fault or not-at-fault accidents (though it indicates which one it is along with payouts and what they were for, whether some combination of bodily injury, property damage, medical payments, uninsured motorist or, in no-fault states such as Florida, personal injury), collision claims (abbreviated as CO/C on the reports, though it's often linked to accidents anyway unless you just walked out to your car in the morning to find that it was struck in a hit-and-run), comprehensive claims (abbreviated as CP/C) or just towing claims (abbreviated as TL/C).

Just as an experiment -- for those of you who are worried about making a comprehensive claim for something like glass, go to any insurance company's website and do a quote for yourself with a clean record. Then go back, add a comprehensive claim (of under $1,000), and compare the numbers. I'd say that 95% of the time, it will probably be the same, or at least that's what I've noticed when quoting people. Even with comprehensive claims greater than $1,000, it usually doesn't make a difference, unless you have a ton of them. Realistically speaking, insurance companies don't penalize you for claims that you make that have no involvement with your abilities as a driver. Some states are very susceptible to windshield claims, such as ones with desert scenery like Nevada, Arizona and New Mexico where it's likely that you will get rock chips, so if it were such a problem, then no one there would be able to get new insurance. But that's not the case.

 

Thanks for giving your input as well, I myself am still a new agent and appreciate the knowledge you have to offer.

 

I'm not going to lie, I was not expect you to say that. But kudos to you for the positive reply. But that being said, if you are a "new agent," it might be appropriate to hold off on giving your recommendations as an insurance agent (as you identified yourself in your first post in the thread) if you're still learning, since a few people viewed what you said as "professional insight," but it ended up not being entirely accurate.

 

I am not one to fight (especially on the internet) if I am wrong, hopefully everyone reading this now has a better understanding of what I was trying to say as well as the information you provided.

 

I completely agree with the last few posts. Rarely does one see a strongly-worded correction greeted with the openness shown by zanelefko. (Anyone who has read even one-tenth of what I've ever written on-line knows that I could never be the "man" that he has been here.)

Great job!

 

back to the "evo-love" everyone!

 

Luckily I had zero deductible glass coverage Got mine replaced a few months ago

 

It wasn't luck, o Bostonion. See Post #17 in this thread.

 

wow, wish I lived in Florida

 

No you don't. A lot of carriers offer a $0 glass deductible as an option nowadays, and Florida rates tend to run a little higher, ESPECIALLY if you're in certain counties (i.e. Broward, Collier, Dade, Hillsborough, Orange, Pinellas), plus with it being a no-fault state, PIP coverage adds a lot. And then there's the FHCF charge that they have to pay.

 

Plus there's the whole be careful what you wear when going out for Skittles at night, but we digress.

 

8 inches? its better if yo just replace it with a new one, as far as for safelight experience, it really depends who will handle your repair, i took my wifes RA to them to fix a 2cm crack, well the crack somewhat got fix but the point of impact is still visible, i was told that the smaller the crack the harder it is to fix.