While shopping for new insurance recently I inquired about this type of
thing. In the past two years I have had four comprehensive claims (two
windshields, two stolen strereos), so I was concerned about having
artificially inflated rates. Basically, if the claim is less than $1000
then it will not even be considered by the major insuarance carriers in
calculating your rate. All of mine were <$1000, so I received no "points"
for them. I did receive a list of all claims, tickets, etc that were
considered in calculating my rate, and the only thing on it was a
not-at-fault accident that was about $8000. On a related note, 0 deductible
windshield replacement is provided by law in many states if you have comp.
coverage.
Jeremy L. Schuster
> -----Original Message-----
> From: owner-autox@autox.team.net [mailto:owner-autox@autox.team.net]On
> Behalf Of Joshua Hadler
> Sent: Wednesday, November 24, 1999 12:15 AM
> To: Matt Murray; Team.Net
> Subject: Re: best way to clean windshield?
>
>
> Matt Murray wrote:
> >
> > Becareful of that claim. It still counts as a comprehensive claim. Too
> > many of anything and rates/coverage may change.
> > Matt Murray (Allstate customer)
>
> My claim was nothing more than my experience. Yes, it would
> be unwise
> to abuse that policy. But I probably will go thru another one or two
> foglight lenses this winter, and likely will need a new windshield by
> spring. I fully intend on having them replaced under the policy. And my
> experience to date leaves me no reservations about claiming it. Sure, it
> probably would raise a problem if I was getting a new windshield every
> six months, but I'm not.
>
> -Josh2
>
> --
> Joshua Hadler '74 914 2.0 CSP/Bi - Hooligan Racing #29 - CONIVOR
> '87 Quantum Syncro - aka stealth quattro
>
> jhadler@rmi.net
> http://rainbow.rmi.net/~jhadler/
>
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