MAT said
I wouldn't place a claim with insurance - it could come back to haunt
you. How much over the $250 is the replacement going to cost?

Two of the most common words found in insurance non-renewal notices -
"claims frequency".

You're better off paying minor things out of your pocket and only
filing claims for the big things.



Casey

Like my uncle once said, "Anybody who's never been caught never has
done anything."

jmattis (AT) attglobal (DOT) net wrote:
Those are words to remember!

Yes I was worried about this and am of the frame of mind of keeping the
insurance out of it. I did some research and typically glass claims are
PERCEIVED to be OK and are not supposed to increase rates. Regarding the
claims frequency, in 13 years of driving, I have never filed an insurance
claim and am hoping that I will be OK with this one.

Just as a note, I made the calls this morning and everything was pretty
straighforward. As an afterthought, I wondered if the glass company I chose
would use OEM or aftermarket glass since I didn't specify. So I called just
now and the glass they ordered was not OEM, but PPG which I understand is
pretty decent. I inisisted on OEM glass and they called back and said no
problem, it will just be an extra 3 days to actually get the piece. I
decided to wait.

MAT wrote:

On Mon, 6 Jun 2005 14:40:08 -0400, "MAT"
<marcoat*RM_@SPAM_*hotmail.com> wrote:

Don't take that for granted. In TWENTY-ONE years, I'd never had a
single auto OR homeowners claim. Then, in 2003, I filed a claim for
damage to my home from a hail storm. A more classic "act of God" I
cannot imagine, but that claim placed my house into a "high-risk"
category making it impossible for the new owners to insure it through
ANY of the large competitive companies in 2004.
The insurance industry badly needs more regulation, and until it's
provided, I'd advise keeping my claims history as blank as possible.

Ron

MAT said
Back years ago, I filed a glass breakage claim and another one because
someone keyed the side of my car. Then I proceeded to have a wreck,
and followed that up a year later with another one.

I got a non-renewal notice with "claims frequency" as the reason. I
had some long phone calls and ended up with the people that make those
decisions. Her first words were, you've had 4 claims in the last two
years.

Without the wrecks, I would have been fine. The problem is that if
something serious happens after the comprehensive claim, the small
claim may hurt you at some point.

The glass claim by itself shouldn't cause any problems at all.


Casey

"MAT" <marcoat*RM_@SPAM_*hotmail.com> wrote

FYI....PPG is the OEM supplier for American made Hondas. Your insurance
carrier may not pay the increased cost of ASAHI branded glass (the Japanese
mfg OEM glass supplier) as many insurance carriers try to manage their costs
with glass replacement. This will have absolutely no effect on your cost of
insurance either.

"Larry" <ziggy_calif (AT) nospam_yahoo (DOT) com> wrote


Thanks for the info. My car, a 7th gen hatchback is sort of oddball when it
comes to non-mechanical parts, in the case of the glass, the rear was
Splintex and the sides and roof, Sekurit.