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04-26-2016, 10:03 AM
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#1
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Senior Member
Join Date: Mar 2014
Location: Missouri Ozarks
Posts: 237
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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
__________________
John (USAF Reti)/Cheryl (Teacher) Boo (15 year old cat), Billie (18mos cat), Ben (18mos cat), Beau (18mos cat). '20 Tiffin 32SA (Feb 2020 arrival); Past RVs: '16 Newmar Ventana 3709, '16 Tiffin Allegro 36LA, '14 EverGreen Bayhill 295RL, '12 Voltage V3200, '09 BigHorn 3400, '06 Jayco Octane, '04 Jayco Baja
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04-26-2016, 10:23 AM
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#2
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Senior Member
Monaco Owners Club
Join Date: Mar 2011
Posts: 889
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I would include it.
I have had my full width windshield replaced twice in 4 1/2 years.
Paul
__________________
Paul Whittle
2005 Monaco Signature 45'
525 HP/1850 Ft Lb ISX-15/6-Speed Allison 4000
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04-26-2016, 02:09 PM
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#3
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Senior Member
Forest River Owners Club Ford Super Duty Owner
Join Date: Mar 2013
Posts: 155
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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.
__________________
Shawn and Karen. The pups Pebbles and Bam-Bam; RIP Rusty, Oct '05 - Oct '17 :'(
2015 Forest River Georgetown 329DS
US Navy, Retired
[SIGPIC][/SIGPIC]
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04-26-2016, 02:18 PM
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#4
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Senior Member
Monaco Owners Club
Join Date: Aug 2008
Location: Las Vegas
Posts: 301
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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.
__________________
Bob & Pearl
2007 Monaco Camelot 42' PDQ
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04-26-2016, 03:39 PM
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#5
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Senior Member
Join Date: Mar 2014
Location: Hyannis, MA
Posts: 120
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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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04-26-2016, 03:49 PM
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#6
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Community Moderator
Newmar Owners Club
Join Date: Feb 2011
Location: Point Pleasant Beach, NJ
Posts: 31,553
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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.
__________________
Tony & Ruth........... FMCA#F416727
2016 London Aire 4519, Freightliner chassis, Cummins ISX, 2018 Jeep Wrangler Unlimited, Blue Ox Avail with AF1. TST 507 TPMS
No amount of money can buy you an extra second of time.
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04-26-2016, 03:50 PM
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#7
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Senior Member
Country Coach Owners Club Solo Rvers Club iRV2 No Limits Club
Join Date: May 2011
Location: Vancouver, WA
Posts: 37,725
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Quote:
Originally Posted by Petersr58
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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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.
__________________
2009 45' Magna 630 w/Cummins ISX 650 HP/1950 Lbs Ft, HWH Active Air
Charter Good Sam Lifetime Member, FMCA,
RV'ing since 1957, NRA Benefactor Life, towing '21 Jeep JLU Rubicon Ecodiesel
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04-26-2016, 07:43 PM
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#8
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Senior Member
Join Date: Mar 2014
Location: Missouri Ozarks
Posts: 237
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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
__________________
John (USAF Reti)/Cheryl (Teacher) Boo (15 year old cat), Billie (18mos cat), Ben (18mos cat), Beau (18mos cat). '20 Tiffin 32SA (Feb 2020 arrival); Past RVs: '16 Newmar Ventana 3709, '16 Tiffin Allegro 36LA, '14 EverGreen Bayhill 295RL, '12 Voltage V3200, '09 BigHorn 3400, '06 Jayco Octane, '04 Jayco Baja
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