From digest.v7.n1273 Tue Mar 10 00:48:05 1998
From: Duane Collie <trapdnce_at_erols.com>
Date: Mon, 09 Mar 1998 21:23:22 -0500
>From: "Ed Coleman, SLB Apps" <ecolemaX_at_t11spr12.intel.com>
>Date: Mon, 09 Mar 98 12:47:00 -0700
>Subject: Re: cheap windshields?
>I've almost been tempted to follow a cement mixer or sand and
>gravel truck around hoping for a stray rock to break my windshield so I
>could get a new one, but I'm too worried about fog lamps or headlights
>or air dam or hood catching it instead.
You don't have to do that! Most all Insurance Companies will replace your
pitted and chipped windshield as Comprehensive Damage. If its pitted badly
it's a safety hazard (glare) and all you have to do is pony up your
deductible (typically $ 100) to the glass company and they will take care
of the balance with the Insurance Co. Most glass companies will come right
out to your office and do it in an hour on site. Easy.
As usual, there's no free lunch. Everytime you have a claim, be it your
fault or an Act of God, it goes into a nice, neat little industry-wide
database and is called a Claims Experience Record - and this stays with you
for several years even if you move and/or change your insurance co. When
they go to rate or review you, they look at both your Claims Experience and
your Driving Record to make a determination. Moral of the story: Don't make
too many claims, even windshields and parking lot hit & runs. They all count.
BMW glass is no better or worse than most IMHO. Aeordynamics and ride
height of the car have a lot to do with how much crap your windshild eats.
Full size pickup trucks, for example, eat fewer windshields than small
sports cars because they have a great big grill out there to catch all the
debris and they ride higher to boot.
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