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Old 07-29-2021, 08:18 AM   #1
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Front window question

On my new auto 2021 I added glass coverage through Allstate Insurance with zero deductable. Cost was only $24

Just got a big rock chip, size of base ball on the top of the window.
Checked companies for aftermarket replacement but none available.

Dealership wants $1300 for OEM window.

I have two options: Pay for the window myself and have no claims or put it through insurance.

If I put it through insurance company, will that be considered as one claim and or could my insurance go up? I am get getting awesome rates on the premiums and am concerned my low rates could go up. Anybody have experience with this situation?
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Old 07-29-2021, 10:17 AM   #2
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For only 24 why would you not use your insurance? Or pay over a grand? No Brainer.
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Old 07-29-2021, 10:23 AM   #3
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It used to be comprehensive claims would not affect your insurance rate. When I went to Safeco to insure my Class C, they raised my annual rate $70 because I had claimed a windshield within the last 3 years on a different vehicle.
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Old 07-29-2021, 02:58 PM   #4
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There is no such thing as an OEM windshield on a motorhome - they are all windshields designed for some other vehicle. That said, $1300 for a one-piece windshield is a bargain price - they often run $2000 or more. Heck, a half-windshield on my 2004 coach was $1200 and that was a dozen years ago. You didn't mention the coach year/make/model, but I'm sure any RV glass specialist could supply it. Your insurer probably will recommend one. You could also contact companies such as RV Glass Experts, coachglass.com, etc.


Use your insurance. A stone chip is not a "chargeable accident", i.e. you didn't do anything wrong to cause it. There is almost no chance a claim will alter your rates.
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Old 07-30-2021, 09:05 AM   #5
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Originally Posted by Gary RVRoamer View Post
Use your insurance. A stone chip is not a "chargeable accident", i.e. you didn't do anything wrong to cause it. There is almost no chance a claim will alter your rates.
Except in my case. It was a windshield replacement in my case, not a stone chip. Ask your insurance agent.
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Old 07-30-2021, 09:13 AM   #6
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I actually asked my co-worker who sells insurance on the side. He said it will show as a claim, but because it is comp. The rate will only go up a little bit. I told him that it was $1300 for a windshield and he suggested to claim it.
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Old 08-04-2021, 04:14 PM   #7
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A lot would depend on what your deductible is.
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Old 08-05-2021, 08:47 AM   #8
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Except in my case. It was a windshield replacement in my case, not a stone chip. Ask your insurance agent.
I think you missed my point. The windshield is not OEM for that coach - it was OEM for some other vehicle and was "borrowed" for use in that motorhome. It is available somewhere, but you have to identify the source vehicle. You are not restricted to buying it thru your brand dealer parts network.
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