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Allstate covers chips too as long as you have comprehensive coverage. But when you have free windshield benefit, not much motivation to have chips repaired.Originally Posted by sniper7
Be aware some insurance companies count this as a claim against you. A few years back I was shopping around for insurance and was told by an insurance company they would not cover me because I had too many claims. I said WTF are you talking about, I haven't made a claim in years. They said oh yes you have, three windshield repairs in the last two years.
Last edited by Colorado Fatboy; 02-20-2016 at 08:35.
No such thing as free lunch.
"There are no finger prints under water."
indeed.
Or just failing to make a profit for them. Lol at the idea of ACA expanded to all insurances. No denial of coverage for pre existing conditions/claims. Be a nightmare with some of those compulsive minor fender bender folk I see out there with all 4 corners with clearly independant looking impacts out there.
On a semi related note. How does comprehensive coverage affect pretty decent scratches. Not like a mega deep angry keying, but my truck day 2 on wedding trip got scraped by an asshole or an idiot with a big sideways Y where they brushed by the tailgate. Already picked up a few other little nicks that I'd like fixed.
Also think I might have to work nights again, even in a truck, getting sick of lately the amount of golf ball + sized rocks getting thrown into my windshield in my hour commutes on i25. (Daytime traveling during more traffic hours than when I'm getting off/on at like 5am or 9 at night.)
If the repair is more than the deductible, and if the damage was one single incident, then it would be covered by comprehensive insurance. You can't just turn in a claim to get years of door dings and scratches cleaned up. People sometimes (very often) confuse insurance policies with warranties.
"There are no finger prints under water."
If it's less than the deductible, couldnt you still report it, pay yourself, and if there's another incident in the year, you'd already have some of the deductible paid. Yknow like health insurance?
No. It doesn't work like that. Health insurance isn't really insurance, and cannot be compared to any other insurance policy. Forget anything that had anything to do with health insurance because it is not comparable.
Your auto and home insurance policies specifically state that the full deductible is applied on each and every claim. If you report things all the time, you're just screwing yourself. Actually, that's maybe the worst thing you can do as far as your rates are concerned. Please don't try that.
"There are no finger prints under water."
One way or another, you're paying. There are insurance experts here that can explain it far more eloquently than I can - and have the patience to do so.
In short, policies that have accident forgiveness, windshield repair, etc, all have those features built into the policy. It's the same thing as cell phone companies rolling the price of cell phones into the monthly rate. I'm not even sure there is a less expensive option for full coverage at some companies. That's the way the market has changed because people are inherently bad at managing money and that's what they want.
"There are no finger prints under water."
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