Renan: Gail, I was driving down I-75 today on my way to work and a rock flew up from the road and hit my windshield. Now I have a big crack on it, and it is getting bigger! What do I do?
Gail: I would advise that you could do one of two things. I could do a warm transfer sending you to the insurance company’s claim department so they could set the claim up for you, or if you had a vendor you preferred to use you could just contact them and they would set the claim up for you. Of course the replacement would be free of charge because it is the windshield.
Renan: Ok, so I wouldn’t have to pay anything?
Gail: Not for a windshield
Renan: How does that work? Will I pay higher insurance premiums then?
Gail: I have checked with several of the insurance companies that we do business with and all of them said the same thing. At renewal and new business all claims are considered. If the claim is below 1,000 it will affect the premium a little less than if it were over 1,000.
It doesn’t mean that the rate will be affected, but it could.
Renan: So, with the typical price of replacing a windshield it is not very likely I would get an increase when I renew my auto insurance policy?
Gail: Probably not. In my experience it usually doesn’t.
Renan: Should I be concerned about driving my car with the windshield cracked like this?
Gail: If it obscures your vision it could be a problem, as I’m sure you could get a ticket for that. Other than that I have never seen it be a problem. Of course it’s best to get it taken care of right away. A windshield replacement is one of the easiest for a consumer as the company that replaces it will come to you to complete the replacement.
Renan: Can I use whatever company I want? I heard something about using the company that my insurance company recommends…
The consumer has a choice to use their preferred shop.
Gail: Going back to the initial call, the consumer has a choice to use their preferred shop. I would always recommend to use the insurance company’s preferred shop because if there are issues after the replacement, the insurance company will get involved.
Renan: What if I don’t like the ratings I see online for the company they recommend? Will my policy still cover the windshield replacement in full?
Gail: Yes. The only issue would be if you weren’t satisfied with the repair the insurance company would most likely not get involved.
Renan: Awesome. And I know I have a comprehensive deductible, I think it’s $500 or $1,000 deductible. What you’re saying is that the deductible does not matter. My new windshield will still be free, or no out-of-pocket from me, right?
Renan: Great. Thank you so much!
—end of interview—
Gail Webb is an excellent insurance agent in the state of Florida (11 years). I personally use her services.
Not only was she able to save me hundreds of dollars on my policy but she also provides fast customer service, going above and beyond in providing me with answers regarding my policy features and benefits.
Gail Webb writes auto policies for the following companies:
Gail Webb’s contact info:
Ph: (941) 955-8585
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