Rear passenger car window + crackhead = UG

[mariazmess]

So my building manager complained that we were parking in visitor parking for too many nights. We moved the car to an underground parking nearby -- doors are open constantly and the parking lot isn't patrolled nights and weekends, but we haven't had any issues before.

Today we got there and the back passenger window was smashed in. They took a few dollars in change (missed a $20) and an iPod adapter. Nothing of value.

They left a piece of metal wrapped in a coffee cup that they used to break the window.

I have a few questions for Tribe:

1) Do I bother with a police report? When I called them, they said they wouldn't send anyone because it just happens too often, but I could file a report for statistical reasons. Hm.

2) Do I tell my insurance company?

3) How much does is a rear passenger window replacement likely to cost me? This is a 2013 car -- my first instinct is to get that shit replaced by the dealership, but I'm a newbie car owner.

4) Can anyone recommend another place to get the window replaced other than a dealership? (It's a Hyundai.)

Way to ruin my Sunday, crackheads!

 

[tripleup]

Find out how much glass replacement is on your policy if you have it.

I doubt the cost is going to be much different than your deductible though. Plus when weighed against having a claim history on a new vehicle you're likely better to just eat the cost.

 

[Blysspluss]

Glass shop is a good bet. Speedy autoglass is okay but overpriced sometimes...

Our local guy in this small town costs less than half what speedy charges and does better work...so there may be other autoglass shops worth looking at in your area.

 

[zerOGda2nd]

crack heads

 

[Bernnie Federko]

fuck the dealership, go OEM

 

[mariazmess]

Don't tell insurance unless you have glass coverage. If you do, the glass shop should cover the deductible for you.

I called a couple places (that are open today, being Sunday n'all) -- the lowest price was $150+tax. My deductible seems to be $300 for my comprehensive coverage. I don't have anything specific in my policy related to "glass coverage".

Why would they cover the deductible?

 

[mariazmess]

quote i posted was the cheapest of 3.

got 3 quotes: $150, $285 and $375.

 

[Hi i'm God]

1) Do I bother with a police report? When I called them, they said they wouldn't send anyone because it just happens too often, but I could file a report for statistical reasons. Hm.

We got super max prisons because of Harper and Towes 'Unreported crime' statistics, report that shit it's their job.

 

[solacevip]

Don't do insurance. Your deductible is probably higher than the cost of the window.

In order for it to be worth it, it would have been better to have all your windows smashed in.

$150-200 should be around the cost. Don't go to the dealer.


I remember going to a store on Dupont to replace my window.....can't remember the shop.

 

[the_fornicator]

The dealership will just ship your car off to a glass place or bring a glass place in -a place that you could have gone too. Only difference is that the dealership will markup the price that they were charged.

I find Speedy or Crystal Glass places sufficient. Always do a skim of research on specific locations tho. All depends on their workers.

 

[kyfe]

Your window probably isn't covered then, but you could call your insurance company to check. The auto glass places I guess just add the deductible onto the cost of fixing the window and pass that back to the insurance company. I dunno, but when I googled places, that's what places were advertising; that they pay your deductible.

$150 is what I was quoted on my front windshield on my hyandai elantra wagon and that was a straight up auto glass place near me cause I didn't feel like digging deep for a discount place since the neighbour was paying.

I'd look around more.

just wanted to clarify a few things since you misspoke.

Glass is covered under the comprehensive portion of your policy, making a claim does not affect ratings but can affect discounts to your premium. The only way glass is not covered is via endorsement which limits the coverage via the policy, if there is no specific exclusion than it is covered.

As for glass places paying your deductible, what they do is just charge your insurer a higher amount. This practice is unethical but nobody seems to care and the consumer wins, however insurers have been cracking down on these places by refusing to pay more than the NAGS value.

ultimately you a likley best paying the claim out of pocket unless it's going to be more than $600 to replace, my rule of thumb is absorb it yourself unless it's more than double your deductible ($600 in this case)

 

[Re: Shoe]

1) Do I bother with a police report? When I called them, they said they wouldn't send anyone because it just happens too often, but I could file a report for statistical reasons. Hm.

File the police report and get the police report number for your records. Useful for you to have if anything ever comes up in the future. Plus accurate statistics is the only way to keep politicians honest.

 

[litespeed]

You should ask your insurance company if you can pay a higher rate for $0 deductible for your comprehensive. Some companies will do it. The difference in your premium is miniscule. Like a few dollars. The cost of comprehensive makes up the smallest portion of your policy.

 

[silver1]

You're situation is he EXACT same as mine a few years ago.

I didn't have my own parking in my Condo and had a monthly spot across the street in an undergound parking lot.

My car was broken into that way 3 times during my tenure there. Once at first, then over a year later twice in the same week of which I nearly caught the guy running from the scene (heard running but did not see him).

I feel your pain

p.s. this underground lot you're in doesn't happen to be on Queens Quay is it?

 

[mariazmess]

nope - at Jarvis and Wellesley.

Got the window fixed for $200 (tax in). Going to rent a space in my building now. Sigh. Spending $200 on parking would have been better than spending it on a window. Lesson learned - make sure your parking isn't accessible from the outside!

 

[mariazmess]

You should ask your insurance company if you can pay a higher rate for $0 deductible for your comprehensive. Some companies will do it. The difference in your premium is miniscule. Like a few dollars. The cost of comprehensive makes up the smallest portion of your policy.

huh - i'll look into that.