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Old 04-08-2013, 08:47 PM   #1
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Windshield Glass Breakage Insurance

Just wondering if anyone has had experience with a rock etc damaging your windshield and whether your Insurance covered the damage? I was looking at my policy and couldn't find any glass breakage section so I assume it would be covered under the comprehensive. I have inquired with my Insurance company (Blue Sky) But you all know assuming anything with a MH is not a good approach. With my $500 comprehensive deductible I would have a stiff outlay if I picked up a rock and I would imagine with all that glass in a 40 foot MH picking up road debris that damages windshields is fairly common.
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Old 04-08-2013, 08:52 PM   #2
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$500 is a cheep for a windshield. Ours has glass coverage with no cash out of our pockets. All depends on your coverage. You might wants to look into getting glass coverage.
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Old 04-08-2013, 08:58 PM   #3
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Originally Posted by mrock View Post
Just wondering if anyone has had experience with a rock etc damaging your windshield and whether your Insurance covered the damage? I was looking at my policy and couldn't find any glass breakage section so I assume it would be covered under the comprehensive. I have inquired with my Insurance company (Blue Sky) But you all know assuming anything with a MH is not a good approach. With my $500 comprehensive deductible I would have a stiff outlay if I picked up a rock and I would imagine with all that glass in a 40 foot MH picking up road debris that damages windshields is fairly common.
I have GMAC through GS and they buy me a new windshield each year for two years. I have a 45ft with a single piece glass. It is a magnet for freeway rocks and the folks here tell me i have bad luck.

Regardless, they pay 4K and I pay 1K. YEP, 5K each.
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Old 04-09-2013, 10:47 AM   #4
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i have farm bureau insurance. have a rider for glass 100% coverage policy. no limit on windshields or glass. in arizona, most of the rocks are quartz based, and even the smallest ones can cause a chip.
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Old 04-09-2013, 11:40 AM   #5
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Glass coverage

I have Blue sky Ins. You can lower your compehensive deductable to $100 for about $80-90 additional premium. My previous Ins Co offered 100% glass coverage for $75 per year. Blue Sky does not.
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Old 04-09-2013, 03:10 PM   #6
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We have Hartford. I asked and they said we have 100% coverage at no extra charge because they consider it and cover it as "Collision".
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Old 04-09-2013, 05:59 PM   #7
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Seems to be Texas law that windshield is $0 deductible if it can be repaired, $100 if it needs to be replaced. Have had the MH windshield repaired for chips several times, but not replaced. Have had replacements for cars a couple times.
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Old 04-09-2013, 07:01 PM   #8
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I have GMAC Insurance through GS. I have full glass coverage on my MH. Just got it so have not used it yet. Also have a 45 foot single glass full windshield.
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Old 04-09-2013, 07:07 PM   #9
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I have Blue sky Ins. You can lower your compehensive deductable to $100 for about $80-90 additional premium. My previous Ins Co offered 100% glass coverage for $75 per year. Blue Sky does not.
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In Fl. They ( ins co's ) don't have a choice. Zero ded is mandated.
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Old 04-11-2013, 04:34 PM   #10
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I have Progressive with glass coverage, I had checked with GMAC and they didn't offer it in Ca. It is covered under their comprehensive I have had each side replaced once already and have a chip in the drivers side low on the windshield that has been repaired.
To the person with Hartford, I might be concerned at it being covered under collision, in Ca. that would hit your driving record.
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Old 04-11-2013, 05:56 PM   #11
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In FL its covered with full coverage/collision... but if you file a claim it will be recorded as an "incident" on your insurance record. I had mine replaced for $450. Its a 2 piece
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Old 04-11-2013, 06:06 PM   #12
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In FL its covered with full coverage/collision... but if you file a claim it will be recorded as an "incident" on your insurance record. I had mine replaced for $450. Its a 2 piece
I have to disagree. It's full coverage / comprehensive not collision and its not recorded as an incident per my ins broker.
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Old 04-11-2013, 06:25 PM   #13
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I have to disagree. It's full coverage / comprehensive not collision and its not recorded as an incident per my ins broker.
Personal experience. Comprehensive covers windshield. Florida policy so no deductible. Insurance company called mobile glass company, they were there withing two days, installed windshield. At least for us, no negative listing on underwriting, per insurance company (National Interstate).
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Old 04-11-2013, 09:27 PM   #14
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I have Aviva and am having both windshields replaced for my $300 deductible.
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