Car Insurance Claim Q

[froglegs]

A new windshield should only be a few hundred bucks. I'm surprised that she would want to involve her insurance company instead of just forking over the cash. It might even be less than her deductible.

[SouthernBelle]

She'll be filing this claim under her homeowners. Sometimes, auto insurers will waive the deductible on windshield repair. For example, if you catch a road rock. That is not normally a chargable incident and shouldn't affect your rates.

[Brandi]

I went to wash our truck one morning, it was a cool morning seemed a good time to wash it. I sprayed the truck off. As I was doing this I heard a POP! I looked at the hood cause that is what it sounded like to me. Didn't see anything kept on my merry way. Then as I was just glancing at the wind shield I saw the crack running through it. I couldn't believe it! And we were leaving on a big project in our truck the next day for a month!
Well we called a mobil service and they were able to come out that day and fix it for I believe it was 245.00. My deductble is 250.00 0f coarse.
The guy told us it was caused by the water but not started by it. You know the black glass that runs around it? There had been a chip in it from a road rock we are sure. He said it was a matter of time and it would have happend. The water hit the really hot black glass and just helped it along.I guess we were lucky it happend at home and not while we were working and couldn't deal with it. Sorry to high jack the thread, my bad!

[Ninabike]

She would not pay a deductable when a 3rd party is making a claim. However, if you were to make a claim against your policy, you would have to pay your deductable (probably more than the cost of the repair), and then wait for her carrrier to reimburse the deductable. Probably better to have her deal with her carrier and get an agreed-upon cost of the repair, i.e., you can get an estimate from a shop of your choice and then submit it to her carrier. Assuming she wants to go through her carrier, they will set up a claim and assign a claims adjuster and claim number to the claim - normally, recovery is not a big deal with this type of claim because there is no issue of liability (i.e., clearly her son's fault).