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10-07-2019
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#1 |
 
Join Date: Jan 2010
Location: Mystic CT
Posts: 2,627
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Auto glass insurance coverage
Anybody have experience getting your auto insurance company
to cover severe pitting of your windshield? My DD has a severlly pitted windshield (no cracks etc) REALLY bad glare in the early morning and late afternoon. With the insurance company we discussed wear and tear vs accident etc damage. After talking to 5 different insurance company people they finally gave in after I stressed a windshield claim is much better than the alternative of a serious accident due to poor visibility. Next issue, OEM BMW glass... could be worse, could be a ZR-1 coated windshield... Last edited by Mystic ZR-1; 10-07-2019 at 08:32 PM. |
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10-07-2019
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#2 |
 Join Date: Feb 2011
Location: Clayton, North Carolina
Posts: 1,133
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Re: Auto glass insurance coverage
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10-07-2019
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#3 |
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Join Date: Jan 2010
Location: Mystic CT
Posts: 2,627
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Re: Auto glass insurance coverage
The Hartford
Had them for years with homeowners too. The ZR-1 is separately insured thru the NCM. |
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10-07-2019
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#4 |
Join Date: Sep 2012
Location: Westminster, Md.
Posts: 434
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Re: Auto glass insurance coverage
I also have Hartford ins on my bus. A few years ago a rock hit the windshield and it was replaced free. Must be a clause on my policy.
Nelson
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WAZOO MEMBER 1993 #124 Ruby 1994 #??? Red/Black 1995 #061 Black/Red 2012 ZR1 Preproduction |
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10-07-2019
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#5 |
Join Date: Mar 2007
Location: Crystal Lake, IL
Posts: 7,180
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Re: Auto glass insurance coverage
The policy(all really) covers sudden/direct and accidental damage. Wear and tear is an exclusion. While I understand your points, they also do not owe to replace items so you dont have an accident.... just like they wont pay for brakes, etc.
Windshield replacement is generally not closely monitored; and the exposure is minimal(although that is changing with modern cars and the need to calibrate collision avoidance sensors) so not surprised when they gave you the coverage.
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LGAFF 90 #966-150K miles-sold 92 #234-sold 1987 Callaway TT #17 1991 ZR-1 #1359 |
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10-08-2019
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#6 |
 
Join Date: Sep 2018
Location: Groton, CT
Posts: 396
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Re: Auto glass insurance coverage
A "rock" could hit it "accidentally"....
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1992 ZR1 #442, 2 tops, White, White, Haibeck 415, 3.90 gear, Coilovers 2021 Audi RS5, 2.9 V6 Twin Turbo, Auto, Black, Black 2021 Audi Q3, 2.0T, 8 spd Tiptronic, Navarro Blue metallic, Pearl Beige |
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10-08-2019
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#7 | |
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Join Date: Mar 2007
Location: Crystal Lake, IL
Posts: 7,180
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Re: Auto glass insurance coverage
Quote:
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LGAFF 90 #966-150K miles-sold 92 #234-sold 1987 Callaway TT #17 1991 ZR-1 #1359 |
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10-08-2019
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#8 |
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Join Date: Jan 2010
Location: Mystic CT
Posts: 2,627
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Re: Auto glass insurance coverage
New glass looks great!
No accidental rocks.... Didn‘t even have to streeeech the truth. Just persistence? Maybe they got sick of listening to me? I‘ve been a customer, home and auto, for years with no claims. Must have figured into it? |
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10-09-2019
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#9 | |
Join Date: Feb 2012
Location: Ledyard,CT
Posts: 8,312
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Re: Auto glass insurance coverage
Quote:
Are you talking about your Dinan? |
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10-09-2019
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#10 |
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Join Date: Jan 2010
Location: Mystic CT
Posts: 2,627
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Re: Auto glass insurance coverage
Yep
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