Replacing a Repairable WS?

[ARG]

While I agree that both replacements and repairs are covered by comprehensive insurance, I have heard of one individual who filed 2 claims in a year for replacement and was canceled.

I also agree that insurance companies save big with windshield repair. A article this last July showed that with the information provided by the Detroit Free Press, State Farm had a 17% repair ratio which represents nearly 3.2 million dollars in savings in Michigan.

Insurance companies will pay for a replacement if that is what the insured wants. However remember each time a claim is filed it represents a loss. Too many losses mean rate increases.

As I stated before I believe repair is safer and better than replacement. View these links as to what some insurance companies say.

http://www.ocas.com/insurance/CLAIMS-LYNXQandA.asp

http://www.arbella.com/Claims/Glass/Glass-repair.jsp

http://b2b.statefarm.com/b2b/roles/ag_public/ag-rvr.asp

ARG

[Bois]

Thanks to everyone. Lots of feedback.
Sounds like the concensus is to let the customer decide - especially when there's several damaged areas.

ARG, thanks for the web sites.

DragonFly, even 2 cents can mean a lot. Thanks.

Dale...

[mafsu]

Of course let the customer decide. Does that mean you can't influence his decision? Absolutely you can. If you have been through the speil about safety and saving money and they're not interested, you probably can't please this customer with a repair. However if you feel their attitude is from a past bad experience with repair,or you feel they think you are a crack pot you can always resort to the don't like it don't pay approach. I usually save this for dealers or fleet managers who have had a bad experience with repair. I explain to them that I guarantee they won't pay for any repair they are 100% satisfied with. Then I do a repair for them, and have yet to have one not pay for the repair and be amazed at the results. This would be a more risky proposition with an individual since you will run across jerks who will refuse to pay no matter how nice the repair is.