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Broke windshield, need to call insurance company Question

Discussion in 'Other Off Topic Forum' started by Mark(study), Mar 24, 2010.

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  1. Mark(study)

    Mark(study) F1 Veteran

    Oct 13, 2001
    6,082
    Clearwater, FL
    Full Name:
    Mark
    #1 Mark(study), Mar 24, 2010
    Last edited: Mar 24, 2010
    I noticed my wife's windshield broke this morning. I'm not sure if she hit a rock driving, and then it cracked more when she came up the driveway (steep entrance). Or if some kids could have broke it by hitting it with something in the driveway last night (just kids looking to cause trouble?)

    She said she heard a rock hit the windshield on the way home but didn't notice any damage (it was raining). But I also heard some kids out messing around late last night as I went to bed.

    Does it make any difference how I report this when I call my insurance company?

    I don't want the auto insurance guys telling me its a claim for my home-owners policy because it could have been kids who broke it in my driveway (and thus not something that happened while driving).

    I've heard Florida has laws that regulate this issue with Auto insurance and deductables... but I don't know much about it? I've got to give my insurance a call later today, but I thought I'd ask you guys first. Thanks
     
  2. GatorFL

    GatorFL Moderator
    Moderator Owner

    Nov 18, 2005
    16,972
    Wellington, FL
    Full Name:
    Duane
    #2 GatorFL, Mar 24, 2010
    Since you are in FL, your auto insurance company has to fix it for free--no deductible and no raise on your policy premiums. Call them and tell them when you woke up this morning it was cracked. There are hundreds of mobile window repair technicians on the road in Florida, I bet by this time tomorrow it will be fixed and they'll even come to your home or office to do it.

    We've been thru a couple of windshields, it's a pretty low-hassle thing.
     
  3. Rickenbach

    Rickenbach F1 World Champ

    Nov 20, 2005
    11,297
    West
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    Rickenhoser
    #3 Rickenbach, Mar 24, 2010
    Watch out who you use. On our insurance companies recommendation ,we had Safelite come to our house to do a Suburban that was a month old. Within a year we had rust along the top of the cab where they had scratched the hell out of the paint in the adhesive bedding area, and not treated it correctly. The truck had to go to a body shop to be repaired correctly because the rust was clear through in some spots. Your insurance company cant dictate who you use, so find out who does the best quality and use them. Dont base your decision on convenience.
     
  4. Samimi

    Samimi Formula 3

    Oct 17, 2005
    1,699
    North of the 49th
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    S.
    #4 Samimi, Mar 24, 2010
    Really, how come?

    $200 deductible here for that.
     
  5. GatorFL

    GatorFL Moderator
    Moderator Owner

    Nov 18, 2005
    16,972
    Wellington, FL
    Full Name:
    Duane
    #5 GatorFL, Mar 24, 2010
    State law.
     
  6. fjb

    fjb Formula Junior
    Rossa Subscribed

    Nov 12, 2006
    746
    Full Name:
    UNK
    #6 fjb, Mar 24, 2010
    In Colorado

    Full Glass is optional - No deductible
    ~ 12$ year
     
  7. Mark(study)

    Mark(study) F1 Veteran

    Oct 13, 2001
    6,082
    Clearwater, FL
    Full Name:
    Mark
    #7 Mark(study), Mar 25, 2010
    Last edited: Mar 25, 2010
    Thanks for the help, much appreciated.

    My neighbor found a bunch of golf balls in his yard, but we don't live near a golf course. So we are thinking maybe some idiot was randomly hitting golf balls into our neighborhood last night.

    Dealing with the insurance company, and glass company was very easy.
     

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