SargeDiesel
Well-Known Member
Ahh ... it all makes sense now.... no worries, it's easy to do. We're good !??My fault for not paying attention. I confused you with this quote:
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Ahh ... it all makes sense now.... no worries, it's easy to do. We're good !??My fault for not paying attention. I confused you with this quote:
Hah, yeah sorry about that! I edited the post to add an additional justification for my OCD about my own opinion, but I think for the most part we agree.Ahh ... it all makes sense now.... no worries, it's easy to do. We're good !??
Sounds like a scare site.Of course your deductible wont change , but I'm Not sure I agree with the rest .... a quick search, literally the first thing that popped up.
"Filing an Auto Glass Claim May Impact Your Insurance RateAny time you file an auto insurance claim – even for auto glass repair or replacement – your insurance provider has the option of increasing your rate. While a single claim may not generate a rate spike, several may."
All the auto insurers use monkey math and opaque policies to drive rate changes based on claims. I’ve gotten Progressive to admit on a phone call that a windshield claim (just a rock chip in this case) can affect my rates and does get counted against me, but that doesn’t mean it will affect my rates, whatever that double-speak means. Likely it’s worse for some of us that live in high risk areas as we already have one risk strike against us from the start.Sounds like a scare site.
It's part of comprehensive around here and won't impact rates - at least it never has for our company. The deductible is the deductible and defined in the policy/contract.
Rates CAN or MAY, but generally don't go up unless you file multiple claims in a short period.
A lot of this can vary with location/state. Florida is very different than North Dakota, California different from Iowa.
Here's an answer from a California insurer -
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Forbes says "maybe" - if you are deemed a high risk, etc.
We've filed multiple claims in a single year and didn't see any rate changes.
Florida says windshields will be covered, not sure if they control rates or not in FL.
Exactly - it "can" or "may" but doesn't necessarily, depending on a whole lot of factors those actuaries sit and figure out. It did not impact our rates, but had we lived in AZ where claims are higher than a lot of the rest of the country for windshields, it may well have.All the auto insurers use monkey math and opaque policies to drive rate changes based on claims. I’ve gotten Progressive to admit on a phone call that a windshield claim (just a rock chip in this case) can affect my rates and does get counted against me, but that doesn’t mean it will affect my rates, whatever that double-speak means. Likely it’s worse for some of us that live in high risk areas as we already have one risk strike against us from the start.
Agreed.Exactly - it "can" or "may" but doesn't necessarily, depending on a whole lot of factors those actuaries sit and figure out. It did not impact our rates, but had we lived in AZ where claims are higher than a lot of the rest of the country for windshields, it may well have.
So it's not black or white, and with companies like that, it's a definite absolute maybe it will, but it sure can.
Semantics?
Can't say it will, can say it might. And where you live, your history and a whole 100 page contract full of terms will determine more.
Not sure why you say "scare" site. My quote stated nothing more than MAY or MAY NOT... But was possible with multiple claims, which, I believe is what you also eluded to.Sounds like a scare site.
It's part of comprehensive around here and won't impact rates - at least it never has for our company. The deductible is the deductible and defined in the policy/contract.
Rates CAN or MAY, but generally don't go up unless you file multiple claims in a short period.
A lot of this can vary with location/state. Florida is very different than North Dakota, California different from Iowa.
Here's an answer from a California insurer -
![]()
Forbes says "maybe" - if you are deemed a high risk, etc.
We've filed multiple claims in a single year and didn't see any rate changes.
Florida says windshields will be covered, not sure if they control rates or not in FL.
My defroster works pretty well. As far as wiper blades. .. we did buy vehicles with flat glass and exposed, surface mount wipersEvery time I drive in the snow this is what my windshield looks like. I've driven in New England my entire life and never had as many issues with ice buildup and frozen wipers as this rig. Just one more thing to add to the list of disappointments. Do better Jeep
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Uh, GM would like a word. Not only did their heated washer fluid system tend to be on fire, but the hot fluid would thermal-shock the glass and cause cracks.We have cars with heated windshields. We have had them with heated washer fluid, which also works surprisingly well.
The Germans do it right. Never had an issue.Uh, GM would like a word. Not only did their heated washer fluid system tend to be on fire, but the hot fluid would thermal-shock the glass and cause cracks.
No way I'd want hot fluid hitting 10 below zero glass. Recipe for disaster.Uh, GM would like a word. Not only did their heated washer fluid system tend to be on fire, but the hot fluid would thermal-shock the glass and cause cracks.