Windshield Repair Forum

We should all get together and pool a bit of money to hire an attorney and determine exactly what effect a windshield repair claim can have on a persons policy. In every state i knwo of there is a rule that comprehensive claims cannot effect your insurance premiums... that they can only cancel you if you have too many claims in a year. But if we had some sort of official paper stating that we could all use it and it would boost sales for everyone. probably not a bad idea to look into something like that even to see if it is something an attorney could do with the possibly differing loaws in each state and Canada... just a thought.

Good idea Brian(thanks for including Canada), but shouldn't that be the role of the NWRA? Just an additional thought, lets keep this ball rolling.

Merci

Brian,

An intriguing thought. I had posted the other night asking the question if anyone was aware of rate increases resulting from our work. We may be able to get some help on this without an attorney. Each state, under the Dept. of Regulatory Agencies should have a listing to the the states' Dept. of Insurance. A phone call to your state may reveal such an answer. I would love to be able to use such information to combat either a skeptical customer, or better yet, as a counter-measure against any network attempting to steer a customer by suggesting their rates could increase.

I do agree with our canuck friend, shouldn't this kind of activity fall under the purview of the NWRA?

Let me send an open letter to any insurance companies who may be reading this forum.
How would it be if YOU tell your insureds that windshield repair claims don't raise their rates?
We'd fix lots more chips. We'd save you lots more money.

J.T.W.

Great idea Brian count me in!! this simple question answered could mean $alot$ to all companys involved. And it could literally save millions for the insurance companys. Just think if 50% of the poeple on this forum got together, a really good attorney would cost a minimal fee. We would need a spokesman for the forum to actually get the ball rolling. at least we would know the truth and have our facts straight so we could fully and honestly give our customers the correct information.
ChipMaster .. Out

A good start for an idea.

However (can't speak for Canada), would this not just be an attorney's opinion that any judge could either agree or disagree with? There are usually two sides to every case, the attorneys for both sides are of the opinion that they are right, yet one side prevails.

Now, if we could come up with a way to get each of the insurance companies to explicitly state that rates would not increase as a result of a legitimate repair claim, we would be sitting pretty :eusa_thin

Dave,

I like your style. Unfortunately, I seriously doubt any insurance company, particularly the big boys, will ever go on record as issuing a statement such as this. Insurance companies want as little commitment as possible.

Chip

That is kind of my thought here Dave. If we had an attorney do a check and get legal letters from all the major insurance companies stating that it has no effect on premiums (which I have been telling thousands of people for years now) then it would look official as it would be on attorneys letterhead with notes from each insurance company or something like that.

My experiance here in Canada is that if they have no other claims in the next 24 months, the WS repair is not considered a claim. If the customer has a few claims(of his fault or not), then if the Ins co can use the WS repair claim to justify a rate increase they will. There justification being that the customer is a risk for them since they had 3 or more claims in less than 24 months.

Merci

Greetings Yvan,
Same thing here in the US. The problem has been when insured(s) abuse the "waive the deductible" policy, and get their windshield repaired a often as they get their oil changed. The insurance co's frown on that.