by Guest » Mon Feb 01, 2010 12:04 pm
I had this fender bender and the windshield got damaged. I'm not sure as to which section of my insurance does it come under!
Will my rates get altered due to this?
Will my rates get altered due to this?
Posted: Mon Feb 01, 2010 12:09 pm Post Subject:
If the w/s damage is from the accident, and the other party is at fault then that carrier will pay for the w/s with the other damage. If it was your fault, and you have collision coverage on your vehicle your collision coverage will pay for the w/s along with the other damage. If the other party is uninsured, or not at fault and you do not have collision coverage, but do have comp coverage, your comprehensive coverage will cover the w/s only.
Posted: Tue Feb 02, 2010 05:51 am Post Subject:
Thanks Lori, I was certainly not at-fault and I do have collision coverage. But, I'm really scared if I'd see a rate increase!
Posted: Tue Feb 02, 2010 05:58 am Post Subject: Increase of premium
The windshield damage would be covered under your collision coverage policy if you are the at-fault party or if the other party is uninsured. If the other party is at-fault and if he is properly insured, his insurance company would be liable to pay for the damages. You must go through the surcharge schedule of your insurance company. It is the pre-determined increase in premium that is charged if you cause accident. Rates do increase after a claim is made. But most of the companies do not increase premium on the no-fault party.
Posted: Tue Feb 02, 2010 11:27 am Post Subject:
But, I'm really scared if I'd see a rate increase!
You shouldn't see one from this hon.._Posted: Wed Feb 03, 2010 06:31 am Post Subject:
Most of the glass damages that are caused due to car accidents are compensated under your comprehensive coverage. Windshields that are broken due to hooliganism or accidents are also covered under the comprehensive section.
Posted: Wed Feb 03, 2010 12:04 pm Post Subject:
Most of the glass damages that are caused due to car accidents are compensated under your comprehensive coverage.
Gotta correct ya' here Steven..If the glass breakage is caused by an accident then their collision coverage would include the glass damage assuming they have collision coverage...if no collision and only comp coverage, then even though it was broken in a collision, the comp coverage would pay for the glass only..Windshields that are broken due to hooliganism or accidents are also covered under the comprehensive section.
Actually it doesn't even have to be caused by a vandal..at least in all the auto policys I've read..'glass breakage'' is an actual peril listed under the comp coverage.Posted: Wed Feb 03, 2010 12:33 pm Post Subject:
"I got rear ended and now my windshield is cracked" :cry: :cry:
:lol: :lol:
Posted: Wed Feb 03, 2010 12:42 pm Post Subject:
"I got rear ended and now my windshield is cracked"
Isn't it funny how that seems to happen A LOT.. :roll:Posted: Wed Feb 03, 2010 10:04 pm Post Subject:
"Well, the crack was not that big before I got hit." :wink:
Posted: Thu Feb 04, 2010 12:57 am Post Subject:
One of my favorites, and I just had another one this week...'there was a tiny chip in my w/s but the rear end hit caused it to crack all the way across"
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