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?
11-08-07, 01:51 PM
#1
DVD Talk Legend
Thread Starter
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?)
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?)
11-08-07, 02:58 PM
#9
Member
Join Date: Apr 2001
Location: TX
Posts: 174
Likes: 0
Received 0 Likes
on
0 Posts
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.
11-08-07, 03:04 PM
#11
Member
Join Date: Nov 2000
Posts: 224
Likes: 0
Received 0 Likes
on
0 Posts
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.
11-08-07, 04:01 PM
#15
DVD Talk Platinum Edition
Join Date: Aug 1999
Location: Des Moines, WA
Posts: 3,876
Likes: 0
Received 0 Likes
on
0 Posts
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.
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.
11-08-07, 06:43 PM
#16
DVD Talk Hero
Originally Posted by Jeeden
Like it was said above, just follow a gravel or dump truck around for awhile.
11-08-07, 06:48 PM
#18
DVD Talk Gold Edition
Join Date: Jun 2003
Location: Orange County, CA
Posts: 2,897
Likes: 0
Received 0 Likes
on
0 Posts
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?
11-08-07, 07:24 PM
#20
DVD Talk Hall of Fame
Join Date: Nov 2000
Location: On the banks of the Red Cedar
Posts: 9,864
Likes: 0
Received 1 Like
on
1 Post
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.
I pay for the windshield coverage, so I don't thing getting it replaced runs the cost up any.
11-08-07, 09:35 PM
#21
Banned
Join Date: Jun 2007
Location: Texas
Posts: 35
Likes: 0
Received 0 Likes
on
0 Posts
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.
11-08-07, 11:07 PM
#23
DVD Talk God
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.
11-09-07, 08:36 AM
#24
DVD Talk Legend
Thread Starter
Originally Posted by cardsfan111
So what you're saying is you had a friend *wink, wink* that this happened to...
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...
11-09-07, 05:37 PM
#25
DVD Talk Gold Edition
Join Date: Jan 2001
Location: New York
Posts: 2,902
Likes: 0
Received 0 Likes
on
0 Posts
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.
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.
