Re: Replacing a Repairable WS?
Posted: February 17th, 2005, 8:02 am
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
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