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Have you ever intentionally cracked your windshield?

Other Talk "Otterville"
View Poll Results: Have you ever intentionally cracked your windshield?
Yes, and I'll do it again!
3
5.45%
Yes, but I am ashamed of myself
0
0%
No! That is insurance fraud!
36
65.45%
No, but I would if I had to
13
23.64%
I don't own a car
1
1.82%
I don't own a hammer
2
3.64%
Voters: 55. You may not vote on this poll

Have you ever intentionally cracked your windshield?

Old 11-08-07, 01:51 PM
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TGM
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Have you ever intentionally cracked your windshield?

Hypothetically of course..

Most car insurance covers replacement of an accidentally cracked windshield 100%, however they won't cover it for any other reason... so, the question is...have you ever intentionally cracked your windshield if you felt it needed to be replaced for some other reason? (ie: pitted, cloudy, etc?)
Old 11-08-07, 01:54 PM
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No. And I can't foresee an occasion where I would.
Old 11-08-07, 01:54 PM
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Nope.....
Old 11-08-07, 02:00 PM
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No but I suppose you could follow a tri axle truck around for awhile since they seem to be good at ejecting material from the back of the truck bed.
Old 11-08-07, 02:05 PM
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No. Insurance costs enough now, adding bogus claims just pushes up rates for everyone.
Old 11-08-07, 02:35 PM
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no but thanks for the advice!
Old 11-08-07, 02:49 PM
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Your poll needs a No, I only carry liability option.
Old 11-08-07, 02:52 PM
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No way I would do it intentionally. I would rather pay for the full windshield install than put in an insurance claim. It will only cost me more at the end.
Old 11-08-07, 02:58 PM
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I wish our insurance covered windshields 100%. You see a lot of cracked or at least chipped windshields here (in Texas). Our insurance does not cover it without us paying the deductible which right now is $500. It would not be worth it to lower the deductible to replace them because that costs about as much as a new windshield. I remember looking into this when we had 3 different cars with cracked windshields. I called our insurance person and asked them about it because it was free at one time. Now though we have a glass deductible. I guess there were too many people getting windshields replaced here. So no, I would never purposely crack a windshield.
Old 11-08-07, 03:02 PM
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Nope.
Old 11-08-07, 03:04 PM
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This is usually covered under comprehensive insurance, my insurance companies have always covered windshield replacement without raising rates. I carry comprehensive coverage on all of my vehicles, even if I do not have collision on them. It is very cheap insurance and has paid for itself the few times I have had to use it. I have a $50 deductible for windshields, and the glass shops will usually discount the $50 so that I have no expense out of pocket.
Old 11-08-07, 03:04 PM
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Like it was said above, just follow a gravel or dump truck around for awhile.
Old 11-08-07, 03:22 PM
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Never even thought of it.
Old 11-08-07, 03:57 PM
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Sounds like a good way to really hurt yourself.
Old 11-08-07, 04:01 PM
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Originally Posted by olds403
I have a $50 deductible for windshields, and the glass shops will usually discount the $50 so that I have no expense out of pocket.
They aren't supposed to... but I've had a body shop do that for me as well. If the insurance companies find out they would be pissed... and it too could probably fall under insurance fraud of some kind.

A friend was behind a semi and something flew off and further cracked his already cracking window. In that case he called the trucking company and they paid for the replacement window.
Old 11-08-07, 06:43 PM
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Originally Posted by Jeeden
Like it was said above, just follow a gravel or dump truck around for awhile.
Yeah, that's a good plan. Burn hundreds of dollars worth of gas, and spend hours and hours in the effort to get your windshield cracked "on accident", rather than taking the morally equivalent step of cracking it yourself.
Old 11-08-07, 06:46 PM
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Have you ever slept with someone to try and catch HIV because your doctor said a common cold wasn't a good enough reason to come in?
Old 11-08-07, 06:48 PM
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Originally Posted by Thor Simpson
Have you ever slept with someone to try and catch HIV because your doctor said a common cold wasn't a good enough reason to come in?
Uh....not lately.
Old 11-08-07, 07:19 PM
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I have. Using my bare hands.
Old 11-08-07, 07:24 PM
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I wish I could go long enough to not have to replace my windshield. My wife gets 2+ every school year. We get it replaced in the Summer and repeat.

I pay for the windshield coverage, so I don't thing getting it replaced runs the cost up any.
Old 11-08-07, 09:35 PM
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Originally Posted by Numanoid
Yeah, that's a good plan. Burn hundreds of dollars worth of gas, and spend hours and hours in the effort to get your windshield cracked "on accident", rather than taking the morally equivalent step of cracking it yourself.
Not to mention all the rock chips in your hood.
Old 11-08-07, 09:58 PM
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Originally Posted by TallGuyMe
Hypothetically of course..
So what you're saying is you had a friend *wink, wink* that this happened to...
Old 11-08-07, 11:07 PM
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Not to get a new one. I was really, really pissed off of my ex-gf and punched it. I said it was a rock.
Old 11-09-07, 08:36 AM
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Originally Posted by cardsfan111
So what you're saying is you had a friend *wink, wink* that this happened to...
Yep. Hypothetically.

My issue is that yes, a cracked windshield is dangerous, but so are pitted ones that obscure your vision... so the insurance company will cover the windshield replacement for one, and not the other... which doesn't make sense...
Old 11-09-07, 05:37 PM
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Originally Posted by Numanoid
Yeah, that's a good plan. Burn hundreds of dollars worth of gas, and spend hours and hours in the effort to get your windshield cracked "on accident", rather than taking the morally equivalent step of cracking it yourself.
There's an easier way. I cracked mine by mistake in the following manner:

In my case, it started with a frigid morning with my windshield covered in frost. I started the car, blasted the defrost and cranked up the heat-- BAMM--four-foot windshield crack. It took less than a minute. In hindsight, I should've expected it, but in my case I certainly wasn't trying to crack it.

My windshield had been in perfect condition and I certainly wasn't looking to replace it. I was pissed at the time, because it was a headache I didn't need (calling Geico, etc). Initially I was concerned that Geico wouldn't pay for it, since it was technically my negligence (ignorance) that was responsible. They came to my office and replaced it that day, no charge.

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