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07-29-2021, 08:18 AM
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#1
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Senior Member
Join Date: Jul 2013
Posts: 182
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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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07-29-2021, 10:17 AM
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#2
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Senior Member
Fleetwood Owners Club Freightliner Owners Club
Join Date: Nov 2010
Location: Texas
Posts: 4,283
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For only 24 why would you not use your insurance? Or pay over a grand? No Brainer.
__________________
Full Timers.
2015 Fleetwood Discovery 40E on a Freightliner XCS chassis with a Cummins ISL9 pulling 1 and/or 2 motorcycles, '07 Honda Accord OR a 17' Runabout Boat.
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07-29-2021, 10:23 AM
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#3
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Senior Member
Join Date: Nov 2013
Posts: 520
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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.
__________________
2019 Entegra Esteem 29V. Just me and my little dog Hope!
I am not a mechanic but I do play one in my garage!
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07-29-2021, 02:58 PM
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#4
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Moderator Emeritus
Join Date: Jan 2000
Location: West Palm Beach, FL. USA
Posts: 27,563
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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.
__________________
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL
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07-30-2021, 09:05 AM
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#5
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Senior Member
Join Date: Nov 2013
Posts: 520
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Quote:
Originally Posted by Gary RVRoamer
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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Except in my case. It was a windshield replacement in my case, not a stone chip. Ask your insurance agent.
__________________
2019 Entegra Esteem 29V. Just me and my little dog Hope!
I am not a mechanic but I do play one in my garage!
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07-30-2021, 09:13 AM
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#6
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Senior Member
Join Date: Mar 2021
Posts: 516
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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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"A Man's Gotta Do What a man's Gotta Do"
2000 Fleetwood Southwind Storm 30H- Workhorse
2016 Prime Time Tracer 3150BHD
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08-04-2021, 04:14 PM
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#7
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Senior Member
Join Date: Jan 2017
Location: Titusville, FL
Posts: 5,160
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A lot would depend on what your deductible is.
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When seconds count, the police are only minutes away.
2023 Grand Design 2600RB, 2022 F-350 King Ranch tow vehicle, Titusville, FL when not on the road
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08-05-2021, 08:47 AM
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#8
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Moderator Emeritus
Join Date: Jan 2000
Location: West Palm Beach, FL. USA
Posts: 27,563
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Quote:
Except in my case. It was a windshield replacement in my case, not a stone chip. Ask your insurance agent.
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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.
__________________
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL
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