Mark Hubley

This morning as I got in my '08 ES to drive to work I noticed a crack in my windshield. It is about a foot long, starting on the passenger-side edge and extending toward the center. I'm no expert on windshields, but it doesn't look like a hit from a rock. Could it be some kind of a "stress fracture"?

Anyway, my main question is, should Mitsu replace the windshield under warranty?

I'm sure my insurance won't cover it, because I carry a $1,000 deductible.

Green_Bandit

iTrader: (25)

I would doubt it. All they would have to say is "you were driving too close behind whatever; its your fault."

It wouldnt hurt to try your insurance though.

TURBevO8

iTrader: (25)

It wouldnt hurt to try but 99% sure they wont cover it. I would also double check your insurance. I have a $500 deductable and only had to pay $50 for each of my two new windshields in my EVO (2 in one summer actually. ). I didnt know that until I looked into it so windshields could be seperate from your regular deductable.

otter

iTrader: (14)

Doubt warranty will cover it unless you can prove it was caused by a manufacturing defect. You should have a seperate comprehensive deductable for things like this. If your comprehensive coverage still has a $1k deductable, it's time to shop for new insurance.

asdfasdf128

iTrader: (60)

if your stuck paying out of pocket for it, use a company called "safelite". I had my windshield replaced and saved over 200$ compared to other company quotes.

Mark Hubley

My philosophy on insurance is that I don't pay to insure myself against things that I can afford. Although I don't care to shell out $1,000 for a car repair, I am fortunate that it is something that I can afford (I'm 40 years old and my wife and I both have good jobs). My windshield is likely to cost less than $500, so even if I had a $500 deductible, I would still pay for the whole thing out of pocket.

Consider an accident that required $1,000 in repairs. With my current policy, I'm out $1,000. If I had a $250 deductible, then I would have saved $750. However, when taking into account that I am currently insuring five vehicles, carrying a policy with a $250 deductible would likely cost me that $750 in higher premiums over a year or two. So, unless I get into major accidents on an annual basis (fortunately, I don't ) I'm better off carrying the higher deductible.

Back on the main topic, I looked over my policy, and there appears to be no special case for windshields. So, it looks like I'm paying.

nunyas

iTrader: (2)

I would still consult your insurance company about the windshield. Many states in the US require insurance companies to provide full coverage (or partial... depending) on the windshield regardless of the level of coverage you're paying for.

I know that in the 90's FL required insurance companies to provide full coverage on windshields even if you only had "liability" coverage. There, I believe the state reimbursed the Insurance Co's for windshields (if the cracks were in the driver's line of sight), because there shouldn't be debris on the roads and highways big enough to crack a windshield...

Mark Hubley

Yeah, I'll have to give my agent a call!

kreionic

iTrader: (14)

Like nunyas said. Your Insurance should cover it with no deductible to you. Good luck man

Nathan0490

Get $0 deductible on your glass...

Walkingchaos

iTrader: (25)

only thing i like about MA insurance. all glass covered at 0$ deductible.

Nathan0490

It's extra here in AZ. Not much though and it's worth it...

To OP, there are different types of deductibles involved on your insurance 3 I think; Comprehensive, Collision, and Glass.

Kgoodro

I have a 2017 outlander sport. I just got into my garaged parked vehicle yesterday and a giant crack was in my windshield. and nothing hit it. it started on the passenger side and is moving towards the rear view mirror