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Old 04-26-2016, 11:03 AM   #1
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Insurance with Windshield Replacement

Good morning,

We are picking up our new motorhome this weekend and have a question concerning insurance. Is it worth it to have windshield replacement included in the coverage for a class A? It is only $150 more per year with a zero deductible for it and it seemed good to me. Am I correct in assuming as such? Thanks in advance.

John
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Old 04-26-2016, 11:23 AM   #2
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I would include it.

I have had my full width windshield replaced twice in 4 1/2 years.

Paul
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Old 04-26-2016, 03:09 PM   #3
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ABSOLUTELY!!! Last July we traded our old 99 Winnebago, with a split front window, for a 2015 Forest River Georgetown, with a panorama front window. We took a trip this past Easter and the window got chipped. I watched it all happen too, in slow motion. The guy getting on the highway just HAD to get in front of me so he floors it and as he's moving over I saw the rock leap off of the roadway and arc right into my windshield! My wife got on the phone with Safelite and we scheduled a repair, at the campsite, for early the next day. I also called my insurance company and inquired about windshield protection, which I didn't have. I added it that day! A new panorama windshield is about $4k. I'd much rather pay the $150 / year. Like you I have no deductible for the windshield, and of course the insurance will pay for windshield chip repairs from your comprehensive coverage.

To me, windshield coverage is a no-brainer. It's so cheap for the peace-of-mind.

Edit: And we've only got 3,200 miles on this new coach.
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Old 04-26-2016, 03:18 PM   #4
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I agree, it is worth it. We had $1,000 deductible and our windshield cracked due to me driving one side up on a ramp to change the oil $2,500 for a new one. I lowered the deductible down to $250 for an additional hundred bucks a year.

Of course, if you don't ever crack your windshield then it probably wouldn't be worth it.
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Old 04-26-2016, 04:39 PM   #5
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Best investment you will ever make. Just replaced my 2105 CS 3610 windshield 100% covered by insurance (Invoice was $3850.00). The installer told me his previous windshield job was a 2016 MA just picked up at the factory and damaged on the drive home. You never know when it will happen, but it will.
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Old 04-26-2016, 04:49 PM   #6
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Yes it should be taken out. You don't even need a replacement to justify the premium. I had two chips in my windshield last summer that were billed at $80 each. Insurance covered it.
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Old 04-26-2016, 04:50 PM   #7
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Quote:
Originally Posted by Petersr58 View Post
Best investment you will ever make. Just replaced my 2105 CS 3610 windshield 100% covered by insurance (Invoice was $3850.00). The installer told me his previous windshield job was a 2016 MA just picked up at the factory and damaged on the drive home. You never know when it will happen, but it will.
We had a windshield replaced on our '02 DSDP. Didn't even make it home and it was hit by something I think was thrown by the driver of a pickup that had just passed us. I caught a glimpse of the drivers arm coming up over the top of his pickup just before the windshield broke. Just not enough to definitely say he threw something.
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Old 04-26-2016, 08:43 PM   #8
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Thanks everyone for the replies. I did get the windshield coverage and it was actually less than $100 more per year than without.

John
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