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Old 12-17-2015, 06:20 AM   #15
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OP, I think your Dynasty has a single-piece windshield. I wonder if Progressive makes a distinction between that and multi-pane windshields for coverage. We use Progressive for USAA members, and I wonder if that also makes a difference. We have zero-deductible glass coverage in NH for a two-pane windshield.



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Old 12-17-2015, 06:50 AM   #16
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Originally Posted by markmiiler View Post
We just had our windshield replaced last Friday here in Florida. No deductible
That is because. All comprehensive insurance by law in Florida, must include 0 deductible Glass replacement.
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Old 12-17-2015, 07:10 AM   #17
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Originally Posted by Gary RVRoamer View Post
I cannot conceive that so many people seem to have bought insurance but have no idea what coverages they bought, what deductibles might apply, and what they would receive in the event of a loss. I know it's not simple, but we are paying big bucks for something that is extremely important. It's like buying a house but not asking how many bedrooms or how much the taxes will be.
This is exactly why I have a local agent. They always shop around for something that will work for me at a reasonable rate. I have a lot of trust in this agency. The owner is a good customer of mine and his partner is a state Assemblyman here in NY.
My wife and I are on a first name basis with the office folks and they always return a phone call promptly. If I need an insurance card they will print and fax it to me right away.
I don't want to talk with a call center while someone fumbles around on a computer trying to find an answer to a question I may have. I prefer to do business locally.
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Old 12-17-2015, 07:58 AM   #18
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I must be dealing with the wrong insurance company. I have National general through Good Sam I think. I recalled them on this windshield deductible issue and come to find out I have a $1000 deductible. To get it down to $500 I would be paying about $900 every 6 mos. Where am I going wrong with this deal?

Where are you going wrong? Short answer from someone who had National General Insurance, is that you have National General Insurance!

I'm not sure where you live, but if you can't get a straight answer out of your insurance company on glass deductible, call your state Insurance Commissioner's Office, and ask them how the law in your state applies to insurance deductibles regarding glass damage. They won't be able to tell you what your specific policy covers, but they will tell you if the state has a maximum deductible by law for glass damage, ie; in KY it is $0.00 deductible.

If they say $0, then call you insurance company back and educate them. If they balk, open a case with the Insurance Commissioner's Office. I've found State Insurance Commissioner's Offices to be very helpful in three states that I've used them!
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Old 12-17-2015, 08:00 AM   #19
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One caveat I should have included above, even in Kentucky, you still have to have Comprehensive Coverage in order to get the $0 glass deductible!
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Old 12-17-2015, 08:24 AM   #20
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Originally Posted by Hit_the_Rhod View Post
Where are you going wrong? Short answer from someone who had National General Insurance, is that you have National General Insurance!

I'm not sure where you live, but if you can't get a straight answer out of your insurance company on glass deductible, call your state Insurance Commissioner's Office, and ask them how the law in your state applies to insurance deductibles regarding glass damage. They won't be able to tell you what your specific policy covers, but they will tell you if the state has a maximum deductible by law for glass damage, ie; in KY it is $0.00 deductible.

If they say $0, then call you insurance company back and educate them. If they balk, open a case with the Insurance Commissioner's Office. I've found State Insurance Commissioner's Offices to be very helpful in three states that I've used them!

Very helpful, straight forward answer. Thank you!!! Georgia resident
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