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Old March 14th, 2006, 11:00 AM   #1
LOVEMUD
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Question Insurance Claim

I made an insruance claim because I have a rip in my soft top shy of a foot long. The camo duct tape (as fond of it as I am) is not cutting it.

So I made the claim I guess an adjuster has to come look at it and I'm taking it to the dealership later this week.

Is it really that easy?

I have to pay my deductible and then the rest is covered right?
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Old March 14th, 2006, 11:11 AM   #2
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Would probably depend on your insurance. The trouble with filing claims is that they work against you if you file more than one.

We don't submit claims unless they are Catastrophic.

If you turn in claims for smaller stuff, they'll hike your premiums sky high. You end up paying more in the long run. It takes 3 years for a claim to not be used in a premium equation.

This is from personal experience with Nationwide insurance, who is no longer our insurance carrier.
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Old March 14th, 2006, 11:17 AM   #3
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Good to know thank you!!!
I only have a windshield claim from almost 3 yrs ago.

I don't make many claims b/c I don't know the pros and cons. But don't have the $$ to replace the top my self either.
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Old March 14th, 2006, 11:20 AM   #4
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yeah you should be fine at the insurance company i use to work at we didn't charge you for comp claims unless you had over 5 in 3 years...
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Old March 14th, 2006, 11:21 AM   #5
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drop Angel a PM, or maybe she will drop in the thread and give her input, she works for Farmers Innsurance and might be able to enlighten you on premium ajustments.



hahah oh snap, posted at the same time
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Old March 15th, 2006, 06:59 AM   #6
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Thanks guys, went this morning and they ordered it. I'll be able to roll my back window up again! The zippers got so bad that the window in back would get stuck. So all in all it's working out to my benefit.

When I asked them about my premiums, the girl said "I don't know, we have to wait and see" I have been with them 12 yrs and this is my only claim other than a windshield. So we'll see. I'm hoping the girl was new, not lazy and just did not want to look it up and see. I have a great rate and nobody has been able to beat it yet. So we'll see.

Thanks again!
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Old March 15th, 2006, 07:03 AM   #7
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Quote:
Originally Posted by LOVEMUD
Thanks guys, went this morning and they ordered it. I'll be able to roll my back window up again! The zippers got so bad that the window in back would get stuck. So all in all it's working out to my benefit.

When I asked them about my premiums, the girl said "I don't know, we have to wait and see" I have been with them 12 yrs and this is my only claim other than a windshield. So we'll see. I'm hoping the girl was new, not lazy and just did not want to look it up and see. I have a great rate and nobody has been able to beat it yet. So we'll see.

Thanks again!
THe windshield shouldnt affect your rates. If you have a good policy you're allowed like 1 a year.
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Old March 15th, 2006, 08:04 AM   #8
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Quote:
Originally Posted by Deke
THe windshield shouldnt affect your rates. If you have a good policy you're allowed like 1 a year.
Damn... then I've got some windshields to replace :tonka: :tonka: I've been living with a crack (1) and a rock divot (2) for too long :)
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Old March 15th, 2006, 08:06 AM   #9
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Quote:
Originally Posted by Sandals
Damn... then I've got some windshields to replace :tonka: :tonka: I've been living with a crack (1) and a rock divot (2) for too long :)
Call your agent and ask
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Old March 15th, 2006, 08:08 AM   #10
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Quote:
Originally Posted by Deke
Call your agent and ask

I would, but on both of them are so small I'm waiting till something really cracks them :)
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Old March 15th, 2006, 09:42 AM   #11
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What kind of deductible are you guys running?? I run $500 to keep my rate down....I could get a windshield or a soft top (almost) for that much money.
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Old March 15th, 2006, 09:43 AM   #12
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Quote:
Originally Posted by Sandals
I would, but on both of them are so small I'm waiting till something really cracks them :)
True. I've got one that I snuck through inspection with. Looks like a smudge.
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Old March 15th, 2006, 09:47 AM   #13
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In May 7, executives with State Farm Insurance of Bloomington, Ill., announced that they were eliminating the deductible waiver for windshield repair effective Dec. 1 in Alabama, Colorado, Idaho, Kansas, Michigan, Oklahoma and Washington. Although company officials would not comment on when the policy change would take effect in the remainder of the states, Glass Claim Services Manager Bob Bischoff says that the May 7 announcement was the first in a series. "As states roll out, we will communicate with glass shop [owners] so they will first hear about it from State Farm. The May 7 statement was our first notice to glass shops. As other states roll out, another communication will be sent to shops in those impacted states prior to the effective date. In some states, however, the law requires either that we not apply a deductible to glass, or offer a $0 deductible on glass as an option for the insured."


Looks like state farmers missed the free glass bandwagon
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Old March 15th, 2006, 11:21 AM   #14
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I've had several windshields replaced, $100 deductible. There are several glass companies out there that will pay your deductible for you up to $100. I haven't had to pay one yet. Also had my soft top replaced last year, tree branch went though it, $100 deductible, rates never went up.
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Old March 15th, 2006, 11:54 AM   #15
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Quote:
Originally Posted by MozMan68
What kind of deductible are you guys running?? I run $500 to keep my rate down....I could get a windshield or a soft top (almost) for that much money.
I never put my glass/comp. deductible over $100. if it's over that, what's the point of even carying that level of coverage?

Collision is another story altogether.

allstate used to break their deductibles down and separate glass from regular comp, from collission.

that being said, those asshats wouldn't cover a CD-Changer cause it wasn't "factory installed" in an old honda civic, and I needed some mystery rider that even my agent didn't know about at the time. When it was stolen they refused to cover it, even after I pointed out that technically not only was the entire stereo a dealer installed accessory (including cd-changer) but so was the A.C. System.

I had been a loyal customer for 11 or so years at the time.

the refused to cover it over a $250 changer, so they lost a customer for life - I had 3 cars, and my house, plus a jewelry rider for my wife's collection all with allstate. 24 hours after their final refusal to cover my loss, I was with Citizen's.
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Old March 15th, 2006, 01:03 PM   #16
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I have $500 collision and $1000 comprehensive. And my insurance is still over $100/month. Ah, it's great living in a no-fault state.

A windshield in my 84K10 costs $388 installed where I live now. I took it back home and paid $136 installed. The reason insurance companies are dropping stuff is due to price gouging by the companies they do business with. The same goes with medical insurance. The eye doctor charges some outlandish prices for stuff and the insurance company says "we'll pay 60% of that, if you want more you'll have to go bug the client"... meanwhile, the eye doctor normally only charges 40% of that to a client without medical insurance.
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Old March 15th, 2006, 01:18 PM   #17
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I personally wouldnt claim the top damage... I would rather put it on a CC and pay it off in 2 months, not worth the risk of an increased premium, even if you havnt claimed anything i bet it will still cause it to go up.
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Old March 15th, 2006, 01:24 PM   #18
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Quote:
Originally Posted by wrath
The eye doctor charges some outlandish prices for stuff and the insurance company says "we'll pay 60% of that, if you want more you'll have to go bug the client"... meanwhile, the eye doctor normally only charges 40% of that to a client without medical insurance.
not.rly.
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Old March 15th, 2006, 07:41 PM   #19
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My deductible is $100 comp. The guy at the dealership said it should be fine. Fingers crossed and the top is on back order, don't know when it will be in. Looks like I'll be buying another roll of camo duct tape :-)
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Old March 15th, 2006, 07:50 PM   #20
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The emergency release from my garage door opener got caught in my door and pulled the door down onto my soft top putting several small cuts at the back bow (and bending the garage door) AAA covered everything and I only had to pay one deductable. But, they would only replace the top (no side curtins, no back window, not even the header that attaches to the windshield)
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