Big snow broke the windshield - how to fix now?

"Learning Richard" <learningrichard@gmail.com> wrote in message
news:1140438249.031408.9710@f14g2000cwb.googlegroups.com...[color=blue]
>
> Sharx35 wrote:[color=green]
>> "Art" <begunaNOSPAMPLEASE@mindspring.com> wrote in message
>> news:zP2Kf.1147$5M6.956@newsread2.news.atl.earthlink.net...[/color]
>[color=green]
>>
>>
>>
>>[color=darkred]
>> >
>> > "Learning Richard" <learningrichard@gmail.com> wrote in message
>> > news:1140352896.210078.82920@g47g2000cwa.googlegroups.com...
>> >>
>> >> Truckdude wrote:
>> >>> > "jay" <jay@wildfire.com> wrote in message
>> >>> > news:9am9v1hlq9u6i3a67354ij6i6k7f2in95q@4ax.com...
>> >>> >>I have a 2000 Camry bought in 2000. The big snow on Sunday
>> >>> >>embedded
>> >>> >> my car for the last three days. Today I found the windshield has
>> >>> >> a
>> >>> >> crack of 6 inches. It's visible from the inside, not from the
>> >>> >> outside
>> >>> >> unless I stare at it closely. I don't know if I should replace
>> >>> >> it.
>> >>> >> Would the crack get bigger and bigger? And how much will it cost
>> >>> >> to
>> >>> >> replace?
>> >>> >>
>> >>> >> I just signed up with Geico in November. I have $500 deductible
>> >>> >> for
>> >>> >> comprehensive. Would it work out well for me if I make a claim?
>> >>
>> >> A $500 deductible is a waste of money. You may as well either drop
>> >> comprehensive or drop the deductible right away.
>> >>
>> >> Hint: Do that, and live with the crack for a month or so... until the
>> >> change kicks in... then call Safelite. Tell 'em You have Geico. No
>> >> deductible.
>> >>
>> > Most policies have no deductible for glass even if they have a large
>> > deductible otherwise.
>> >[/color][/color]
>
> from the depths of the great white north, menhadenn35 chimed in:
>[color=green]
>>
>> You are SO totally full of bullshit on that matter..while, truth be out,
>> on
>> MOST matters[/color]
>
> take off hozer!!!
>[color=green]
>>
>> Never in my 59 years have I EVER encountered ANYONE, in REAL LIFE, who
>> had
>> such a policy.
>>
>> Now, occasionally, one finds some individual glass shop which "waives"
>> the
>> deductible. However, rest assured, they bill your insurance company a LOT
>> more than they would charge a CASH customer. By CASH, debit card, credit
>> card and check are included...not just cold hard cash.[/color]
>
> Now, that is bullshit, friend.
>
> Safelite billed my insurance company $279, and that included having to
> reinstall the windshield because they used the wrong molding the first
> time.
>
> Thank you for your time, Menhaden.
>
> Having a nice President's day?
>
> Hear about the blind diabetic great grandmother who was
> invitro-fertilized?
>[/color]

If you were conceived on a glass slide, it would have been a quantum leap up
for your ilk.

"Mike Hunter" <mikehunt2@mailcity.com> wrote in message
news:xtycnReVcOBCfmTeUSdV9g@ptd.net...[color=blue]
> That may be the case in Canada. One premiums are regulated by ones
> particular situation and the vehicles they insure. In Delaware collision
> coverage is offered separately from comprehensive coverage. I pay an
> annual comprehensive premium of $29.50 for zero deductible on a 2006
> Lincoln Zephyr and $32.25 on a 2005 Mustang GT convertible. $1,000
> deductible collisions costs me $375 and $480 respectively. You are
> correct $500 deductible collisions would be $75 more, but the effect on
> comprehensive is negligible.
>
> mike hunt
>[/color]

Incredibly, at least in the last 20 years, in Alberta, "comprehensive"
which, up here, is mainly fire, theft,vandalism and specified perils, e.g.
glass, costs an arm and a leg. Over the years, I've priced it on various
vehicles, with no personal claims record, and found it worthless unless I
was willing to claim for a new windshield every 12 to 14 months. Try that,
up here, and one would quickly be cancelled, hence the reason I carry a $500
deductible on comprehensive: for the fire and theft That excludes the front
windshield from any coverage but includes the side and rear glass, save for
the deductible, of course. Again, I carry a $1000 deductible on my collision
coverage, not because I can't afford low or no deductible, but because by
assuming the minute risk of having to pay out the $1000 deductible for an
accident *I* cause, I've saved THOUSANDS, over the years, by NOT having a
low deductible. It's all a matter of risk vs. reward. By the way, I sneer at
investing in ultra safe things like term deposits!!



[color=blue]
>
> "Sharx35" <sharx35@hotmail.com> wrote in message
> news:2m7Kf.2927$Nr5.1964@clgrps13...[color=green]
>>
>> "Mike Hunter" <mikehunt2@mailcity.com> wrote in message
>> news:obWdnSBVDcK7e2XeUSdV9g@ptd.net...[color=darkred]
>>> You would be better off to select a lower deductible for comprehensive.
>>> I have zero, but some companies only allow for a $50 deductible. The
>>> difference in annual premium is negligible.
>>>
>>>
>>> mike hunt[/color]
>>
>> Another crock of shit. Here in CANADA, higher deductibles GREATLY lower
>> insurance premiums, ANY kind of insurance. Even with a clean claims
>> record, MY best, most SENSIBLE deal for Collision insurance is a $1,000
>> deductible and Comprehensive, a $500 deductible. I'd have to claim a new
>> windshield at LEAST once a year to make a lower deductible comprehensive
>> policy make sense. How long do you think the insurance company would
>> tolerate THAT? The rich learned something a long time ago, WHERE
>> POSSIBLE, insure YOURSELF, i.e. deal with claims, especially smaller
>> claims, from your own assets. By driving safely, you will NEVER have a
>> collision claim and will greatly reduce the number and size of
>> comprehensive claims. Now, LIABILITY insurance is another matter. Only
>> the VERY rich or fools carry less that ONE MILLION dollars personal
>> liability and personal damage insurance.
>>
>>[color=darkred]
>>>
>>>
>>> "Sharx35" <sharx35@hotmail.com> wrote in message
>>> news:RlRJf.4591$_62.2902@edtnps90...
>>>>
>>>>
>>>>
>>>>>> I just signed up with Geico in November. I have $500 deductible for
>>>>>> comprehensive. Would it work out well for me if I make a claim?
>>>>>
>>>>> Many policies have a lower deductible for glass so check your policy
>>>>> out.
>>>
>>>[/color]
>>
>>[/color]
>
>[/color]

I'm paying a total of $350.77 every 6 months for the new Camry.

Here's an itemized breaddown:

Bodily Injury/Property Damage Liability = $137.82
($50k / 150k / 50k)

Medical Payments = $21.47
(5k each person)

Collision ($250 deductible) = $138.66

Comprehensive ($250 deductible) = $42.49

Emergency Road Service = $3.20

Uninsured Motor Vehicle = $7.13

Remember, that's every 6 months.

Sharx35 wrote:[color=blue]
> "Mike Hunter" <mikehunt2@mailcity.com> wrote in message
> news:obWdnSBVDcK7e2XeUSdV9g@ptd.net...[color=green]
>> You would be better off to select a lower deductible for
>> comprehensive. I have zero, but some companies only allow for a $50
>> deductible. The difference in annual premium is negligible.
>>
>>
>> mike hunt[/color]
>
> Another crock of shit. Here in CANADA, higher deductibles GREATLY
> lower insurance premiums, ANY kind of insurance.[/color]

Just today I have had the windscreen changed on my big Land Cruiser. I have
an UK £250 deductible but for glass it is only UK£25 with no impact on the
no-claims bonus discount.
It was so easy to arrange. I just phoned the company [Autoglass] and told
them the vehicle road registration plate number and they had all the
information, including my address, chassis number and insurance details to
hand. The glass is not OEM Nippon Glass but is European St Gobain [who make
OEM glass for european vehicles] and has an identical tint to original.
Will find out tomorrow if the window holds water and whether it has a wind
noise or any other malfunction.

Is a 'deductable' the same as what I know of as an 'excess' ? When I have a
£250 excess it means that I have to pay the first £250 of any damage. In the
case of my window it has a £25 excess for replacement and if a repair to a
small crack or chip is appropriate, then it is completely free of charge to
me.

Huw

"Huw" <hedydd[nospam]@tiscali.co.uk> wrote in message
news:4648e9F9a2fhU1@individual.net...[color=blue]
> Sharx35 wrote:[color=green]
>> "Mike Hunter" <mikehunt2@mailcity.com> wrote in message
>> news:obWdnSBVDcK7e2XeUSdV9g@ptd.net...[color=darkred]
>>> You would be better off to select a lower deductible for
>>> comprehensive. I have zero, but some companies only allow for a $50
>>> deductible. The difference in annual premium is negligible.
>>>
>>>
>>> mike hunt[/color]
>>
>> Another crock of shit. Here in CANADA, higher deductibles GREATLY
>> lower insurance premiums, ANY kind of insurance.[/color]
>
> Just today I have had the windscreen changed on my big Land Cruiser. I
> have
> an UK £250 deductible but for glass it is only UK£25 with no impact on the
> no-claims bonus discount.
> It was so easy to arrange. I just phoned the company [Autoglass] and told
> them the vehicle road registration plate number and they had all the
> information, including my address, chassis number and insurance details to
> hand. The glass is not OEM Nippon Glass but is European St Gobain [who
> make
> OEM glass for european vehicles] and has an identical tint to original.
> Will find out tomorrow if the window holds water and whether it has a wind
> noise or any other malfunction.
>
> Is a 'deductable' the same as what I know of as an 'excess' ? When I have
> a £250 excess it means that I have to pay the first £250 of any damage. In
> the case of my window it has a £25 excess for replacement and if a repair
> to a small crack or chip is appropriate, then it is completely free of
> charge to me.
>
> Huw
>
>[/color]

From what you are describing, yes, a deductible is the same an "excess."
--

Ray O
(correct punctuation to reply)