I have a crack that is growing FAST. Not sure insurance will cover it (Titan). Funny thing, they don't know if they'll cover it either... Um, yeah. Experiences? My deductible is going to be higher than the cost of the windshield replacement, though I do have full coverage.

8/4/2010 8:04:41 PM

nationwide has paid for one of mine, but i have no idea if thats the case for others. at the time i had a $100 deductible so it definitely saved me money.

8/4/2010 8:22:53 PM

most places have 100-150 deductible

8/4/2010 8:47:48 PM

sounds like you need to get a different insurance company

i know farm bureau replaces/repairs them for $0 deductible if you have comprehensive coverage

[Edited on August 4, 2010 at 9:49 PM. Reason : afds]

8/4/2010 9:48:27 PM

any decent insurance company will cover windshield damage $0

8/4/2010 11:42:25 PM

^sure, but they'll just "fix" the crack. They won't replace the windshield.

Ahmet, I've already had the replace the windshield of my S2000 twice. When I originally set up my policy when I bought the car my comprehensive deductible was the same as my collision ($250). After seeing the windshield crack so easily (and repeatedly) I changed my comprehensive glass coverage to a $0 deductible. It only cost an extra $80/year for that coverage.

It should say somewhere in your policy what your glass coverage is. Am I to assume that your deductible is $500? I have a hard time imagining the Porsche glass costing less

8/5/2010 12:04:24 AM

nationwide's comprehensive coverage with a $0 deductible will cover a full windshield replacement (or did)

8/5/2010 11:31:39 AM

Well of course a full comprehensive policy with 0 deductible would cover it, how could they deny that... I'm asking about when the deductible is higher than the cost of replacing the windshield.

8/5/2010 11:35:37 AM

^^lol, well of course.

^I doubt it man. I didn't change my coverage till after I'd cracked two windshields. My deductible had been $250, but a new windshield for the S2000 is only $230. I talked to my claim agent and she said no they would not cover it.

8/5/2010 11:53:34 AM

I don't really understand what you're asking; you have deductible of x amount and replacement cost of y amount where y < x. It doesn't matter if they cover it or not because you won't go over your deductible amount.

In other words you pay the full price of the replacement and the insurance company pays nothing.

[Edited on August 5, 2010 at 10:00 PM. Reason : .]

8/5/2010 9:59:12 PM

I've carried $1k deductible for some time. Allstate fixed a windshield for me once, I paid zero out of pocket. Apparently Nationwide has the same policy, in other words, a windshield exception. This is what I was asking about. The windshield on the Porsche is just under $1k (oh how fun), so it's not an insignificant expense, especially when I'm spending about that on tires (and $675 on brake pads)...

8/5/2010 10:03:24 PM

I paid 0 with progressive in OH -- though I know some people just across the border in KY who claim its a state thing.

8/5/2010 10:26:35 PM

welp, i guess thats just another product of owning an expensive car.

8/5/2010 10:28:26 PM

Ah I see. I've only had Nationwide for auto; but in my current policy the coverage explicitly states for the windshield they have the option of getting a company like Safelite or one of their approved vendors to repair/seal chips and dings before you can claim to have it replaced (unless it's a giant crack that can't be repaired). Just call a different agent or operator in the morning; one of those idiots has to have dealt with a windshield repair at some point in their job.

8/5/2010 10:28:56 PM

You might want to look at lowering your comp deductible. Comp also covers if you hit a deer or your car is stolen. Comp claims (unlike collision) don't make your premiums go up. I'm insured with Allstate and I've got a 100 ded, but you can change it anytime. Allstate will also waive the ded. if a glass chip can be repaired (epoxy I think). However if you lower your deductible, then file a claim, you'll be flagged for fraud review I think.

8/6/2010 12:45:20 AM

Quote :

"However if you lower your deductible, then file a claim, you'll be flagged for fraud review I think"

and they won't be able to prove anything

8/6/2010 1:30:15 AM

Someone brought up a good point, in that some states have different laws about glass coverage. It doesn't make any sense to me, but I believe in some states its automatically covered by the insurance company (and this is probably reflected in policy rates).

Also

Quote :

"welp, i guess thats just another product of owning an expensive car."

Perhaps, perhaps not. My Integra's (MSRP back in the day of $17k) rear window cost $1,000 to replace when some asshole smashed it (for no reason).

8/6/2010 8:47:58 AM

Quote :

"and they won't be able to prove anything"

I don't know. I've been asked "is there pre-existing damage before we change your deductible?" It might just be a personal thing, but I don't like to lie.

8/6/2010 1:46:14 PM

Quote :

"Zero Deductible States—FL, KY, MA, SC If you live in Florida, Kentucky, Massachusetts, or South Carolina, you live in what's called a "Zero Deductible State." That means that your insurance company is required by law to allow you to purchase a windshield replacement using insurance with no deductible—as long as you have comprehensive insurance on your vehicle. If you live in one of these states, and have comprehensive insurance, it makes sense to use your insurance to pay for your auto glass replacement. Florida and Massachusetts only fully cover windshields, but Kentucky and South Carolina cover all glass replacement."

http://www.glass.net/auto-glass-info/insurance-can-help-pay-for-auto-glass-replacement.html

In my experience (NC), the difference between a $500 OTC deductible and no deductible is only a few dollars every six months (maybe $1-2/month extra?) so I don't really see any real reason to have an OTC deductible. OTC also covers other things, from my progressive policy contract:

Quote :

"Loss caused by the following is considered other than collision: 1. Missiles or falling objects; 2. Fire; 3. Theft or larceny; 4. Explosion or earthquake; 5. Windstorm; 6. Hail, water or flood; 7. Malicious mischief or vandalism; 8. Riot or civil commotion; 9. Contact with bird or animal; or 10. Breakage of glass. If loss is caused by contact with a bird or animal, or if breakage of glass is caused by collision, you may elect to have either loss considered to be caused by collision."

8/6/2010 2:23:32 PM

^when I switched from a $250 deductible to a $0 deductible on comprehensive coverage it cost me an extra $79/year.

8/6/2010 3:12:03 PM

i've always had my windows replaced with $0 deductible

8/6/2010 5:54:12 PM

Well since I have a track weekend (Porsche suggests not driving the car for two days, something about the windshield being a structural part of the chassis/bonding agent drying time) in one week, I went ahead and ordered the Porsche glass. It will be done at the dealer.

My insurance agent has told me it will not be covered under insurance, unlike Nationwide OR Allstate.

8/6/2010 6:17:47 PM

I had 2 rocks in my windshield in one day back '08ish...

I just called my insurance guy and he sent someone to my work & they replaced it - - didn't pay a penny out of pocket, but I guess that's part of my coverage...

I was pleased with everything - and is the only time I've ever had to use my insurance.
My only complaint was that the guy who replaced it had dirty hands and put marks on the interior sides that hug the glass - - drove me nuts 'til I got it all out. :/

8/8/2010 11:12:52 AM

Saw your car today. Getting off at cary parkway.window sticks out like a sore thumb lol.

8/9/2010 3:48:58 PM

What were you driving?

The replacement glass has already been ordered, but this has been a week of frustration for me. My brake pads (over nighted) didn't arrive on time, my tires (3 day shipping) also did not arrive on time, so there goes the shop time I'd arranged. On top of that, the seat I ordered cost another $100 to ship, it's adding up! Actually, this is more of a :'( situation. I have an appointment for an alignment tomorrow, here's to hoping they don't tell me that I have a bent control arm or something... -Don't think so, car drives great but funky tire wear in the right rear.

QT, I will update this tread after the windshield is done with details but at this point it really doesn't look like I'll be covered. This is the first claim I will have had in close to 7 years, so I will likely switch carriers if they're not willing to help out. I keep my deductible high, but as evident from this tread (and my own experience with Allstate) most companies seem to help with windshields despite higher deductibles.

8/9/2010 4:44:17 PM

Like I have any room to talk. I was driving a rodeo
I didn't blow the horn or anything.

8/10/2010 8:21:32 AM

Quote :

"$675 on brake pads"

ouch. please tell me you're doing all 4 corners for that price...

even then, what pads are you using?

8/10/2010 11:59:28 PM

Yes I am, and to be fair they are hands down the best pads I've ever used on any car. They are literally the same pads that several challenge cars use. They can last a season of track driving for someone like me who's easy on brakes (brake hard, late, get off of them quickly. I learned that racing a showroom stock M3 circa 2002, BMW brakes SUCK). They're not cheap up front, but on top of great feedback/release characteristics, they make little noise, and the dust isn't corrosive. It is an amazing compound. I guess I shouldn't be complaining, Pagid doesn't seem to make pads for anybody but Italian exotics and some German cars.

8/11/2010 1:34:38 AM

Ive put hundreds of sets of Pagid pads on various Land Rovers

8/11/2010 3:20:37 AM

a set of pagids for the 540 is $65 for the front. sucks payin extra for the name on you car

8/11/2010 9:28:05 AM

I had a large crack on mine and Allstate replaced it, free of any charge to me. My agent said I get one of those a year if needed

8/11/2010 9:56:02 AM

I knew I should've made that more clear. I would bet my house that Pagid does not make an "endurance race" compound or "sprint race" for a Land Rover. That's like saying Michelin does make tires for my Civic, and they're only $60/tire when I'd been talking about Pilot Sport Cups for a 911.

Also, there's economies of scale at work as well for example the pad I'm looking at only fits a few Porsches and some Ferraris (F40/F50), unlike say a pad for a Honda product that may fit the front of 16 different models of Hondas.

But that's missing my greater point all together, though they may cost $600+ for the set, they will last a very long time, unlike something like a Hawk Blue pad where you pay over $350 for the set, and only get 3 track events out of them. It's actually an amazing value for stopping power/longevity alone, but when you factor in non corrosive dust, and acceptable noise levels, etc. it's outstanding and even a very budget conscious person such as myself can love them!

8/11/2010 10:28:36 AM

I'm surprised to not hear anything back from you guys on this topic, I felt like I said a lot there...

Anyway, the glass thing is getting ridiculous, Leith STILL doesn't have the glass. I've overnighted 4 different things from them so far, none of them have arrived on time. The fastest was the bike racks, which arrived 3 days after I left on my trip... /Rant.

OK, so I'd hate for it to come to this, but I have to leave Friday for the track so if Leith doesn't have it by noon or so tomorrow, I'm going to have to go with somebody else. I've gotten a quote for $579+ trim so far ("trim" would cost another $115 or so). Close to half off from Porsche's price, but it'd be aftermarket glass. I looked up a Saab 9-3 for comparison, aftermarket glass with labor comes to ~$249. :/ Bleh, whatever. The 911's more fun to drive!

8/11/2010 11:53:32 PM

this thread inspired me to leave nationwide, and i saved $300

8/11/2010 11:54:35 PM

Who'd you switch to, and similar coverage?

8/12/2010 12:01:21 AM

geico, and my coverage improved. decreased my comp deductible (left my collision deductible a little higher), doubled my bodily injury coverage which also gave me underinsured coverage (instead of just uninsured coverage), left property and rental the same. my rental insurance was also about $50 a year less.

8/12/2010 1:05:12 AM

StateFarm with full coverage I get a freebie every 2 or 3 years. Can't remember.

And nicks/pits are repaired free at a handful of shops around town. I think there is a $50 deductible if the guy has to drive to your place to do it.

8/12/2010 3:25:27 AM

Update:
I ended up getting the windshield from Leith Porsche, they discounted the price slightly, but was still over $800. I also needed a frame and a seal (around $76 and $47 if I remember correctly). I had a guy from Safelite put it in for $150. He didn't do the best job, and ended up breaking the frame I bought and reused my old frame (didn't realize this until after he left, and I had a 5 hour trip beginning literally as I picked up the car so didn't make a big deal out of it). Anyway, I can't say I'm too satisfied with any part of the process. Leith got the wrong glass (3 options, clear, tinted top banner and light tint all the way thru), I'd ordered the tinted top banner, got the light tint instead. Of course it was also about 3 days late, which meant my preferred installer was unable to work me in (Raleigh Glass). The Safelite guy installed the A-pillar trim incorrectly, and I had to wipe some dirt off of that panel after reinstalling it, not to mention the stuff above. But it doesn't leak or make any noises. Total cost was around $1000.

If anybody's got questions, I'm happy to answer.

8/31/2010 3:53:43 PM

I would make sure that it's completely sealed if the dude fucked up that bad installing it. I had a windshield replaced on my last car, and had slow leak problems that ended up being a pain in my ass later on.

8/31/2010 11:51:08 PM

I imagine it would be noticeable the way I drive that car if there was a problem w/it. You can even hear the hood latch not being correctly adjusted, even by 2mm at 150mph, and that's several feet further up at a lower pressure area (though the low end of the windshield is an extremely low pressure area), the way it's mounted on a 996 I don't think there's any place it can go other than down into the cowl drains if there was a leak. Regardless, I suspect it's properly sealed.

9/1/2010 12:20:30 AM

well that's a slight relief.

9/1/2010 11:25:02 AM

Quote :

"Loss caused by the following is considered other than collision: 1. Missiles "

Cool, I'm taking my truck to Iraq!

9/1/2010 1:39:58 PM

Quote :

"geico, and my coverage improved. decreased my comp deductible (left my collision deductible a little higher), doubled my bodily injury coverage which also gave me underinsured coverage (instead of just uninsured coverage), left property and rental the same. my rental insurance was also about $50 a year less."

You must have had 30/60/25 coverage to not have underinsured.

9/1/2010 1:46:03 PM