21st Century Ins Co now requires that a vehicle
inspection be done BEFORE the windshield is repaired. DO NOT do the repair
until after 21st Century inspects the vehicle. The insured will have to
make an appointment to come back to the shop after 21st Century does the
inspection. If the work is done before that, the insured will have to pay
out of pocket.
The following Insurance Companies NEVER waive deductibles. If your customer
has one of these Insurance Companies, DON"T CALL ACT, just work out a cash
deal. FARMERS Insurance will waive deductibles only under certain limits by
state, see state list at bottom.
A Affordable Insurance
Affirmative Insurance
American Bankers Insurance
American Hallmark Finance Corp.
American Independent Ins.
Auto Insurance America
Bristol West
Clarendon Insurance Co.
Coast National Insurance Co
Concord Insurance Services
Direct Insurance Co
Farm Bureau of Georgia
Founders Insurance Co.
Gateway Insurance Company
GHS Property & Casualty
GRE Insurance Group
Guardian General Services
Harbour Insurance Co
Hawkeye Insurance Company
Infinity Group
Insure One Insurance Co
Keystone Ins
Lincoln General Insurance
MIC
Mid-Continent Casualty Co
Farmers will waive any deductible in TX & LA
$250 or less in:
KY, GA, CT, MD, MS, NH, PA, VA, ME
Farmers will waive any deductible $150 or less in:
AL, AK, AZ, AR, CA, CO, DE, DC, FL, HI, ID, IL, IN, IA, KS, MA,
MI, MN, MO, MT, NE, NJ, NV, NM, ND,
OH, OK, OR, RI, SC, SD, TN, UT, VT, WA, WV, WI, WY
Farmers Will NOT waive deductible in: NC
National Automotive Ins
Nelson Buyers Insurance
Nevada General Insurance
NGIC/MIC
Old American Insurance Co.
Pacific Specialties
Permanent General
Prescolli Insurance
Regal Insurance
Safe Auto Insurance (will waive only in SC & KY)
Safeway Insurance Co
Safeway Insurance of Louisiana
Sagamore Insurance
Shelby Casualty Ins Co
Southern General Insurance
Southern United Insurance (will waive only in AZ)
State and County Mutual
Sterling Casualty
Titan Indemnity
U.S. Agencies
Universal Insurance Co.
Vesta Fire Insurance
Sent to me by A.C.T. today.
Hope they don't mind me posting this list here as I know it could benefit all of us.
Sean
List of Insurance Co\'s that will not waive deductables...
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desertstars
Not getting paid by insurance companys
Informative post, Sean.
Even BEFORE the network days, State Farm (not on the list) required prior inspection before a repair or replacement. (Allstate didn't.)
A prudent policy if you ask me and even if I'm not asked.
I can't tell you how many invoices were submitted during those days to insurance companies where NO repair or replacement was accomplished whatsoever.
Or how many invoices are submitted for replacement TODAY that could have and should have been merely repaired.
Let's all view this as a positive aside from the idea of waiving deductibles.
Sooner or later and rather than just raising rates, insurance companies will refer damage to qualified repair TECHNICIANS first and foremost before relying on replacement shops to determine which is necessary.
When the dummy, be-fogged actuaries figure that one out, the first thing they will do is dump replacement-oriented networks and substitute some resident of Delhi, India in an Eastern boiler room to handle their customer claims.
And those claims will then be referred to us first before being filtered through our competition.
How many times have any of us performed excellent repairs on a windshield when the customer was told it required a replacement?
Even BEFORE the network days, State Farm (not on the list) required prior inspection before a repair or replacement. (Allstate didn't.)
A prudent policy if you ask me and even if I'm not asked.
I can't tell you how many invoices were submitted during those days to insurance companies where NO repair or replacement was accomplished whatsoever.
Or how many invoices are submitted for replacement TODAY that could have and should have been merely repaired.
Let's all view this as a positive aside from the idea of waiving deductibles.
Sooner or later and rather than just raising rates, insurance companies will refer damage to qualified repair TECHNICIANS first and foremost before relying on replacement shops to determine which is necessary.
When the dummy, be-fogged actuaries figure that one out, the first thing they will do is dump replacement-oriented networks and substitute some resident of Delhi, India in an Eastern boiler room to handle their customer claims.
And those claims will then be referred to us first before being filtered through our competition.
How many times have any of us performed excellent repairs on a windshield when the customer was told it required a replacement?
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Coitster
- Senior Member
- Posts: 796
- Joined: August 24th, 2003, 12:00 pm
- Enter the middle number please (3): 5
- Location: San Jose California
Sean,
Great post, I just want to let everyone know that their are lots of companies that don't cover windshield repair, thank God that I almost never ever run accross them. If I talk to 1,000 people and ask them who their insurance company is I would say less then 10 times I would get a responce from someone who has an insurance company that doesn't cover windshield repair. I won't get discouraged though, even some of those companies that don't cover it now will cover it within a year.
David
Coitster
Great post, I just want to let everyone know that their are lots of companies that don't cover windshield repair, thank God that I almost never ever run accross them. If I talk to 1,000 people and ask them who their insurance company is I would say less then 10 times I would get a responce from someone who has an insurance company that doesn't cover windshield repair. I won't get discouraged though, even some of those companies that don't cover it now will cover it within a year.
David
Coitster
Glass
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