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Does comprehensive auto insurance cover windshield stone chips?

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Old 01-10-2008, 06:11 PM   #1
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Does comprehensive auto insurance cover windshield stone chips?

If my insurance company will pay for fixing the fresh stone chip I just developed on my windshield, why would I pay out of my pocket?

I’m sure there are some real good reasons why I shouldn’t claim a stone chip through comprehensive coverage, a couple I can think of are;

1) Increased rates
2) Paying a deductible (which I believe is $1000 for me)

So are there any success stories on getting insurance to pay for these annoying, unavoidable stone chips. I need to do this asap because a $80 chip will eventually turn into needing a brand new windshield.
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Old 01-10-2008, 06:14 PM   #2
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they mostly dont i think, but claim it as a stress fracture if it developes more, i had this conv today, wierd!
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Old 01-10-2008, 06:14 PM   #3
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no most don't have rate increases but not all policies cover them.....from what I remember when I was working in glass claims they cover up to 3 for no deductible, as long as there not too far away from eachother and under the size of a loonie

it's been a while I'm not 100% sure

you gotta get on that fast in this weather a little hot and cold is all the needs to crack right across
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Old 01-10-2008, 06:44 PM   #4
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Yesterday while driving about 100km/h, a bolt fell off the back of a flatbed semi trailer that was speeding past me and hit my windshield - leaving a nice delaminated circle about the size of a loonie. I thought for sure I needed a windshield but the glass company said they'd try to fill it first, and it worked fine and I can barely see the problem now. Walked out the door for $20 instead of the nearly $500 quoted for new glass.

I've had my car for 1 year and can barely see out of the thing when I'm driving into the sun because theres so many pits and filled chips - but its the wrong season to replace glass in Calgary (they don't salt our roads, they put down gravel - even on the highways... its ridiculous)

The windshield insurance offered with car insurance that I've seen only covers replacement. But you can buy 3rd party stuff with a new car or windshield that will give you a certain amount of chip fixing before they replace the windshield for a small charge, $50ish. The dealership where I bought my car offered this coverage for $350 and I wish I had taken it (didn't because I was so convinced it was just a money maker for them but that would have covered me for 3 years and I pretty much need a new windshield after 1 year)

Last edited by bitchass; 01-10-2008 at 06:47 PM.
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Old 01-10-2008, 08:30 PM   #5
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I've claimed a few windshields over the years. It is on the comprehensive part and it really depends what your deductible is. I used to have a $100 deductible but I don't think any insurers do that anymore and the lowest is 300. Still a deal as 300 is usually less than a new windshield. Also, a lot of places waive part or all of the deductible. I've never had a rate increase doing this. Your comprehensive deductible isn't necessarily the same as your collision deductible, so call your agent or check your policy to see what it actually is.

Once, when I had a low deductible, I actually came out ahead as the glass place installed a new windshield, covered the deductible AND gave me a $25 gift certificate for crappy tire!
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Old 01-10-2008, 08:42 PM   #6
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Some will fill it for free as a prevention type of service, call your broker/agent and find out what they will do for you......

Get chips done asap cuz once it cracks you have to pay to replace rather than fill
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Old 01-10-2008, 11:11 PM   #7
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word
i guess it wont hurt to call them and ask.
All the stuff above has been helpful, thanks.
I will also try to follow up.
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Old 01-11-2008, 12:49 AM   #8
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Comprehensive claims & a reasonable amount of not-at-fault losses will never affect your rates.

I recently replaced my windshield for $160, so its still a cheap option.
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Old 01-11-2008, 10:48 AM   #9
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Quote:
Originally Posted by Confused
Comprehensive claims & a reasonable amount of not-at-fault losses will never affect your rates.

I recently replaced my windshield for $160, so its still a cheap option.

correct.

if it's repairable there is not deductible and usually runs around $60-80 to fix, if it's a repalcement you will pay your comp ded usually $300 but check your policy.

most w/s these days run around $600 to repair (ontario) alberta's is far less expensive
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Old 01-11-2008, 11:48 AM   #10
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Quote:
Originally Posted by StarvinMarvin
no most don't have rate increases but not all policies cover them.....from what I remember when I was working in glass claims they cover up to 3 for no deductible, as long as there not too far away from eachother and under the size of a loonie

it's been a while I'm not 100% sure

you gotta get on that fast in this weather a little hot and cold is all the needs to crack right across
Glad to see you took something away from the hell hole

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Old 01-11-2008, 07:32 PM   #11
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I had this taken care of today. It's funny how the insurance company gives you the run around to try and persuade you to not do it.

When I called my insurance company my questions were being answered by a broker. She was telling me that my rates are probably going to increase and that I have a $1000 deductible which may not be waived. After I questioned if she specialized in handling claims she answered no, at which point I demanded to speak with a claims specialist.

My claims specialist told me the complete opposite of what the broker told me regarding a premium increase. Of course, this was something I had to extract from her through a series of questions. She then said she would put me through to the third party company who takes care of these specific claims once I expressed my desire to go ahead. Prior to forwarding my call to the appropriate individual she couldn't help but have me take down the phone number of the place. After she confirmed that I had recorded the phone number to the third party company that handled these claims the phone hung up.

Finally I contact the company ala third party and again had the idea installed in my head that "maybe you will have to pay your deductible". Obviously I am not going to pay $1000 for a $100 repair.

In the end, after extracting as much information from these three people, I decided it was a liability the insurance company would take care of with nothing out of my pocket.

So I saved $115 and got my windshield all nice and kosher.
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Old 01-12-2008, 10:51 AM   #12
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Quote:
Originally Posted by djdeposit
I had this taken care of today. It's funny how the insurance company gives you the run around to try and persuade you to not do it.

When I called my insurance company my questions were being answered by a broker. She was telling me that my rates are probably going to increase and that I have a $1000 deductible which may not be waived. After I questioned if she specialized in handling claims she answered no, at which point I demanded to speak with a claims specialist.

My claims specialist told me the complete opposite of what the broker told me regarding a premium increase. Of course, this was something I had to extract from her through a series of questions. She then said she would put me through to the third party company who takes care of these specific claims once I expressed my desire to go ahead. Prior to forwarding my call to the appropriate individual she couldn't help but have me take down the phone number of the place. After she confirmed that I had recorded the phone number to the third party company that handled these claims the phone hung up.

Finally I contact the company ala third party and again had the idea installed in my head that "maybe you will have to pay your deductible". Obviously I am not going to pay $1000 for a $100 repair.

In the end, after extracting as much information from these three people, I decided it was a liability the insurance company would take care of with nothing out of my pocket.

So I saved $115 and got my windshield all nice and kosher.

what did i tell you?
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Old 01-12-2008, 10:59 AM   #13
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as an aside this is one of those things that is far far far cheaper to do on the south side of the border.
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