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So the bf had a small chip and yesterday morning, it cracked the entire windshield. I called my ins, Travelers, and asked them to come out and fix the windshield. They said they don't do that and I need to pay my deductible which is higher than the price of the windshield. I know in FL they do it one time for free. I spoke with someone else who also had their windshield fixed for free up here. Any advice or do I just have to buy it on my own?? If so, then who do I call? (great timing!!!! Merry Xmas to me)
Sorry to say, but unless you specifically carry "glass" coverage, or have a low deductible, you may be stuck. Many insurers will pay to have chips fixed but will only pay for windshields in certain circumstances. Hate that this happened to you!!
I knew the same rule in FL. As I understand it up here in NC, the crack has to be in the direct line of sight of the driver to be covered under insurance. But even then (and in FL as well), I do believe your deductible always applies.
I recommend checking out lowering your deductible (I'm assuming it's probably $500 or more). I have Geico and on a whim one day I logged into the website and set up a new quote with only a $100 deductible (something much easier to swallow, if needed, than $500 or more). Only raised my monthly payment pay a few dollars. Travelers is a partner with Geico (I have travelers for homeowner's)...so I'd be surprised if it's too much different than Geico.
Same thing happened to us. We paid out of pocket. Luckily, it was for the Jeep so the charge wasn't bad - around $200. I am assuming this happened to your Benz? Have never had to replace a windshield on a Benz, so have no clue how much that is gonna run ya.
Steve - thanx for advice on Geico. I have a $500 deductible on all our vehicles - and I will check out the monthly rates for lowering that deductible. Had just assumed it would be much higher. Appreciate the heads up!
We just found someone thru/ the yellow pages - don't remember who now. They came out on site and did it, wh/ really surprised us. With the Benz, you may have to take to the dealership.
Just a word of advice. Depending on how old the car is, make sure they prime the seat where the glass will sit very well. Otherwise there is a good chance the seal will leak. I recently went through 3 new pieces of glass due to leakage. Safelite was very good at coming out and fixing it (Turns out I got two warped pieces of glass).
Also, if you have a HUD make sure you get the windshield specified for that purpose which unfortunately will be more expensive.
It all depends on the insurance and the coverage. check your policy and see what it covers. I believe mine has a smaller deductable for glass. I always forgot. Been riding with a chip in my windshield for 5 years now.. Of course I have said that and I will go out and see a big crack..
Whyte-if you keep that car outside, it will crack with the freezing temps. That's exactly what happened. In fact, I was standing right in front of the truck when it happened yesterday am. You want to get that fixed asap so it doesn't happen to you.
It all depends on the insurance and the coverage. check your policy and see what it covers. I believe mine has a smaller deductable for glass. I always forgot. Been riding with a chip in my windshield for 5 years now.. Of course I have said that and I will go out and see a big crack..
Hee Hee. I HOPE NOT!!!! Our chip stayed intact as just a chip for over a year. Then one morning . . . there was the crack . . .
Oh - forgot to add - the guy who popped out the windshield and put the new one in said if we had called them about the chip, they could have fixed the chip w/o removing the glass (in many cases). Don't know about that, but thought I would mention it. Have no clue what type of repair they can do but he said such repairs are not noticeable. And they are not expensive.
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