Windshield Replacement Deductibles

How does an auto insurance policy’s deductible apply to a broken windshield or windshield repair?

Three Different Types of Coverage

To understand Windshield Repair coverage, you should first understand the basics of car insurance. There are three types of auto insurance coverage: Comprehensive, Collision and Liability.

  • Liability: If you cause an accident, this two-part coverage — including bodily injury liability and property damage liability — will pay for the other party’s medical bills and vehicle repairs. It will not protect you or your passengers if you are injured or your vehicle is damaged as a result of the wreck.
  • Collision: This type of coverage will pay to fix or replace your own vehicle after an accident. Coverage extends to damage caused by collision with an object (e.g., a tree or house) or an accident in which no object was involved (e.g., if your car flips). Most states don’t mandate collision coverage, but if you have a loan or a lease, your finance company will probably require it. Collision insurance cannot usually be purchased without comprehensive coverage.
  • Comprehensive: This protects your vehicle against certain types of damage not caused by an accident, such as theft, vandalism, falling objects, flood, fire, animals, or natural disasters. It also covers claims in which the damage is limited to glass damage such as a cracked or chipped windshield. Comprehensive insurance is optional unless your lender or lessor requires you to have it. This type of insurance is usually purchased in combination with collision coverage.

Deductibles

Any time a damage or accident claim is filed against your car insurance, you must pay a deductible. A deductible is a payment level that must be met before the insurance picks up the rest of the claim cost. Common car insurance deductible levels might be $0, $50, $100, $250, $500, or $1,000 per incident. A person with a $250 deductible would have to pay $250 towards repairs if damage exceeds that amount. Choosing a lower deductible may increase your annual premium, but would result in a lower out-of-pocket expense to repair or replace any vehicles involved.

Windshield Repair or Replacement

Comprehensive coverage deductibles are applied to cover windshield cracks or breakage as well as  the other glass in your car. In the case of a broken windshield or one that is extremely damaged, your policy deductible would generally apply. However, there are a few things to keep in mind that when dealing with windshield damage. First, some insurance companies have a separate piece of the policy that defines coverage for glass breakage. This special coverage may allow for a lesser deductible owed on windshield replacement. Second, if the damage is minimal (smaller than a quarter is a good rule of thumb) like a chip, nick, or small crack, you may be able to have it repaired at no cost if your insurance company waives your deductible for having the repair performed.

 

How does this effect you/me?

Many people are unaware that you are able to select different deductible amounts for both the Collision and Comprehensive portions of your policy and many times the difference per month is minimal.  I encourage you to question your agent about the difference or if you are shopping/buying online select the different coverage’s and see the monthly difference firsthand.
Example: (all information is used as examples only. Assuming full coverage)

  1. If you carry a $500 deductible for collision and $500 for comprehensive on your vehicle, the monthly premium is $80.
  2. However, if you carry a $500 collision deductible and a $100 comprehensive deductible the monthly premium may be $83.

Under the first scenario it would cost you $500 or the full cash price of the windshield, which ever is less.

Under the second scenario it would cost you $3 more per month but only cost you $100 to replace your windshield.

It is also important to understand that the comprehensive portion covers all of the glass in your vehicle not just the windshield. So, should someone vandalize your vehicle and breaks out the back glass and a door glass at the same time your deductible will cover both pieces to be replaced.

The newer vehicles are coming from the factory with more and more options attached to and in the windshield and as you can imagine the cost of these windshields are sky rocketing, replacing with the incorrect windshield may/will render the safety features inoperable and cause errors/alerts in today’s cars . Some of these options are Rain Sensors, Auto Light Sensors, Heated Wiper Park Area, Electrochromic, Acoustic Interlayer, Infared, Lane Departure Warning System, Antennas, Remote Start, Forward Collision Alert and many many more options that effect how your car operates.

I spoke with a customer the other day and one of the first things they said was “The insurance company is screwing me around”. When I asked what he meant he said the insurance company was telling him he had to pay his $500 deductible before they would pay anything for his windshield replacement………. I ask you, which would be easier to handle/come up with…$3/mo or $500 all at once?

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Mobile Windshield Repair & Mobile Windshield Replacement

Do you have a broken Windshield and in need of Mobile Windshield Repair or Mobile Windshield Replacement? Busy with life and working during the day like most people?

Why take you car into a shop and have to find or arrange a ride to home or work?

Why wait at the shop for several hours while the glass is replaced and the urethane cures for the required time? What do I mean by required time? EVERY windshield replaced with urethane has what is called a Safe Drive Away Time (SDAT) that your vehicle needs to sit before it is driven. Ask your auto glass professional to show you the SDAT for the urethane being used.

Chapman Auto Glass is an Albuquerque mobile windshield repair company. There is no waiting at the shop. No hassle of arranging a ride to and from the shop. Call us at 505-228-5869 and we will come to you! How much easier could that be?!?!

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First Native American woman appointed judge in U.S. District Court

PHOENIX, Feb. 16 (UPI) — The U.S. Senate unanimously confirmed the appointment of the first Native American woman as judge of a U.S. District Court.

Diane Humetewa, a Hopi, was one of a confirmation of six judges to the federal court bench in Arizona on Monday. Humetewa previously served as U.S. attorney between 2007 and 2009 and was an appellate court judge for the Hopi Tribe and a special counsel and professor at Arizona State University.

She is the third Native American to be named to the federal bench.

“Her appointment is certainly historic,” University of Richmond School of Law professor Carl Tobias told USA Today. “She will be the only active Native American judge and the first woman.”

Former U.S. Attorney Paul Charlton lauded Humetewa’s “extraordinarily sound judgment.”

“In this state more than any other, where we have 21 reservations and all felony offenses are tried in federal court, we do not have a bench that reflects the community it serves,” Charlton said. “And now, for the first time in our nation’s history, we’ll have a representative to the bench.”

The National Congress of American Indians issued a statement: “There are many qualified, talented people like Diane Humetewa in Indian country who are able and willing to serve. We eagerly anticipate many more nominations of native people to the federal bench and other offices.”

Chairman of the Senate Committee on Indian Affairs, Sen. Jon Tester, D-Mt., declared Humetewa “an inspiration to Native people” in a statement. “As the only Native American in active service on the federal bench, Diane provides much-needed expertise on the complexities of federal law and Indian sovereignty.”

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Police find “credible explosive device” at Albuquerque rental car facility

ALBUQUERQUE, N.M. — Federal and local authorities declared a suspicious device found on a rental car at Albuquerque’s airport to be safe Sunday and are now launching investigations into how it got there.

Avis Budget Rental next to the Albuquerque International Sunport was initially shut down when the device was found during a check of a returned car, police spokesman Simon Drobik said. A bomb unit was called in to secure the device.

CBS affiliate KRQE reported that officials say a “safe and credible explosive device,” was found under a car while being checked after a rental return.

Meanwhile, travelers returning cars were diverted to another lot. But the airport remained open and no flights were affected.

The device appeared to be some sort of pipe bomb, KRQE reported.

Drobik said the police bomb unit initially inspected the device but has now handed it over to the Bureau of Alcohol, Tobacco, Firearms and Explosives.

Agents from ATF and the FBI will conduct a separate investigation. They will look into the location from where the vehicle was rented and who was the last to occupy it, Drobik said.

All roads in the area reopened by the early afternoon. Police also declared a parking terminal secure.
CBS/AP

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Renewed Class Action Motion Filed in Volvo Sunroof Case

Renewed Class Action Motion Filed in Volvo Sunroof Case
February 12, 2016 by Jenna Reed
jreed@glass.com

Volvo vehicle owners have served a renewed motion for class certification on the automaker. The owners allege Volvo’s sunroofs harbor a defect, allowing water to flood the vehicles. The five-year class action suit was recently given new life after the U.S. District Court of New Jersey judge opened the door for the renewed motion.

The Third Circuit Court of Appeals had vacated a previous class certification last year and remanded the case back to the lower court.

“Plaintiffs have served their renewed motion for class certification and all accompanying papers upon counsel for defendants,” according to court documents.

The judge had asked that the motion be served but not filed.

Given the new motion, Volvo seeks access to additional discovery.

“For example, some of the named plaintiffs who are proposed as class representatives have driven their vehicles for nearly five years since they were deposed,” according to court documents. “If they have not experienced any further instance of a clogged sunroof drain, that evidence would be extremely probative of the purported common defect.”

In their response, plaintiffs’ attorneys say, “The motion is a thinly veiled effort to further delay these proceedings, harass these former class representatives and third parties, seek an end-run around the court’s Daubert rulings, and is entirely without merit.”

The six states the District Court judge had originally granted as subclasses for class action were Massachusetts, Florida, Hawaii, New Jersey, California and Maryland.

The plaintiffs contend the alleged “defect” sunroofs are on Volvo’s S40, S60, S80, V50 (model years 2004 to present), XC90 (model years 2003 to present) and V50 (model years 2005 to present).

The suit was filed in 2010 in U.S. District Court by Joanne Neale of Needham, Mass., and seven other owners.

The judge had not issued any new decisions at press time.

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Self-driving cars succumb to snow blindness as driving lanes disappear

1.jpg&MaxW=700&cci_ts=20160210100218DETROIT (Bloomberg) — In Jokkmokk, a tiny hamlet just north of the Arctic Circle in Sweden, where temperatures can dip to 50 below, Volvo Cars’ self-driving XC90 SUV met its match: frozen flakes that caked on radar sensors essential to reading the road. Suddenly, the SUV was blind.

“It’s really difficult, especially when you have the snow smoke from the car in front,” said Marcus Rothoff, director of Volvo’s autonomous-driving program. “A bit of ice, you can manage. But when it starts building up, you just lose functionality.”

After moving the sensors around to various spots on the front, Volvo engineers finally found a solution. Next year, when Swedish drivers take their hands off the wheel of leased XC90s in the world’s first public test of autonomous technology, the radar will be nestled behind the windshield, where wipers can clear the ice and snow.

As automakers race to get robot cars on the road, they’re encountering an obstacle very familiar to humans: Old Man Winter. Simple snow can render the most advanced computing power useless and leave vehicles dead on the highway. That’s why major players including Volvo Cars, owned by Zhejiang Geely Holding Group Co.; Google, a unit of Alphabet Inc.; and Ford Motor Co. are stepping up their efforts to prevent snow blindness.

‘A lot of hype’

“There’s been a lot of hype in the media and in the public mind’s eye” about the technology for self-driving cars “being nearly solved,” said Ryan Eustice, an associate professor of engineering at the University of Michigan who is working with Ford on snow testing. “But a car that’s able to do nationwide, all-weather driving, under all conditions, that’s still the Holy Grail.”

The struggle to cure snow blindness is among a number of engineering problems still to be resolved, including training cars not to drive too timidly, causing humans to crash into them, and ethical dilemmas such as whether to hit a school bus or go over a cliff when an accident is unavoidable.

With about 70 percent of the U.S. population living in the snow belt, learning how to navigate in rough weather is crucial for driverless cars to gain mass appeal, realize their potential to reduce road deaths dramatically and overcome growing traffic congestion.

“If your vision is obscured as a human in strong flurries, then vision sensors are going to encounter the exact same obstacles,” said Jeremy Carlson, an IHS Automotive senior analyst who specializes in autonomy.

High-speed sensors

Driverless cars “see” the world around them using data from cameras, radar and lidar, which bounces laser light off objects to assess shape and location. High-speed processors crunch the data to provide 360-degree detection of lanes, traffic, pedestrians, signs, stoplights and anything else in the vehicle’s path. That enables it to decide, in real time, where to go.

Winter makes this harder. Snow can shroud cameras and cover the lane lines they must see to keep a driverless car on course. Lidar also is limited because the light pulses it emits reflect off flakes, potentially confusing a curtain of falling snow with something to avoid, causing the vehicle to hit the brakes.

Radar, which senses objects by emitting electromagnetic waves, is better. It also has the longest track record: It’s been used since 1999 in adaptive cruise control to maintain a set distance from other vehicles.

Key element

“If everything else fails, I can follow the preceding traffic,” said Kay Stepper, vice president and head of the automated-driving unit at German supplier Robert Bosch LLC. “The radar is the key element of that because of its ability to work robustly in inclement weather.”

One sensor alone will never be enough, however. “You need different types of sensors looking at the same thing, detecting the same object, to very confidently allow the vehicle to do what you expect,” Carlson said.

Google, based in Mountain View, Calif., is searching for solutions by logging snow miles with its self-driving Lexus SUVs near Lake Tahoe, on the Nevada-California border. Ford is testing driverless Fusion sedans in snowstorms at the University of Michigan’s Mcity, a 32-acre faux neighborhood for robot cars on the Ann Arbor school’s North Campus. Both companies declined interview requests.

Ford believes it has found a solution to snow-blanketed lane lines, it said in a press release. It scans roads in advance with lidar to create high-definition 3-D maps that are much more accurate than images from global-positioning satellites, which can be 33 feet off.

Pinpoint location

Eustice, who has worked with Ford on the problem since 2012, said they’ve also found a way to filter the “noise” created by falling snowflakes. The filtered data combined with information from the 3-D maps enable the car to pinpoint its location to within “tens of centimeters,” he said.

“That’s high enough accuracy that we know exactly what lane we’re in,” and “helps the robot to understand the environment,” Eustice said, adding that’s still only half the problem: “Then you have to decide what to do now that we know where we are.”

Lane lines can become meaningless in a snowstorm, as humans blaze their own trails in the ruts created by vehicles in front of them.

“For us to barrel down the road in our lane and ignore the ruts would be unnatural to the other drivers,” Eustice said. So Ford has to figure out how to read the ruts and navigate just like a person, which is “really hard.”

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Manhole cover crashes into SUV’s windshield, killing driver

Published February 13, 2016 Associated Press

BOSTON – A dislodged manhole cover weighing more than 200 pounds went airborne and crashed through an SUV’s windshield on a major highway, killing an art teacher as she drove to work during the Friday morning commute, authorities said.

Police didn’t confirm the victim’s name Friday, but Milton Public School district identified her as Caitlin Clavette, an art teacher at Glover Elementary School in the Boston suburb.

“Ms. Clavette was a talented and special educator who has touched the lives of many students and families over the past four years in the Milton Public Schools,” the district said in a statement. “The entire Milton community extends its thoughts and prayers to Caitlin’s family and friends.”

Clavette had taught in all four of the district’s elementary schools, the district said. She was a graduate of Winchester High School, earned her bachelor’s degree from the College of William and Mary in Virginia and her masters from the School of the Museum of Fine Arts in Boston.

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Windshield Repair Misconceptions

4 Misconceptions About Windshield Repair

You’re driving down the highway, when suddenly a small object comes hurling right at your window. You think it is not big enough to do any major damage, but it still leaves a small chip in your windshield. Which leads to the ultimate question: Do you fix it or not fix it? We have all heard the phrase chips happen (haha, see what I did there?), and sometimes it’s hard to figure out the best way to handle them. Here are four misconceptions about windshield repair.

Misconception #1: My chip won’t spread
The chances of your chip not cracking are slim. Research shows that 70% of rock chips eventually will spread into much bigger ones. If the chip spreads too much (larger than a quarter), you will end up needing a total windshield replacement. That, of course,is a much more expensive repair. Get any chips taken care of as soon as possible, no matter how small, to ensure the repair is quick and inexpensive.

Misconception #2: I can buy a cheap repair kit from the store and fix it myself
We’ve all heard the saying: “You get what you pay for.” That could not be more true than when it comes to a windshield repair. You only get one shot at performing a rock chip so you want to make sure it is done correctly. Cheap repairs kits use inexpensive materials that often won’t endure the regular wear and tear of a windshield. Going to someone who knows what they’re doing and has quality materials to fix the problem the first time around means that you will save yourself time, money and the hassle of doing the job incorrectly yourself.

Misconception #3: I will have to pay for the repair out of my own pocket
For chip repair, as long as you have comprehensive full coverage on your vehicle most insurance companies, except State Farm, will completely waive your comprehensive deductible, no matter if it is $50 or $500. If you allow the chip to crack out and a full windshield replacement is required you will have to meet your deductible before the insurance company will pick up any amount for the replacement. Typically, you do not have to worry about your insurance premiums rising after filing the claim unless you were proved negligent or at fault. Windshield damage is a common occurrence that is often out of the driver’s control. Insurance companies will not penalize you for such a common incidence that requires just a simple fix.

Misconception #4:
Many shops will advertise and offer guaranteed chip repair, implying that they will guarantee the repair against ever cracking and leading you to believe that if the repair does crack out, you will get a refund of the amount you paid. THAT COULD NOT BE FARTHER FROM THE TRUTH!!!
I dare say that there is absolutely NO SHOP that will do that. If you believe that I challenge you to pay cash for the repair and when/if the repair cracks further I want you to go back to the shop and get your money back without buying a windshield from them.

Did you catch that? NO SHOP will refund the cost of the repair if you do not buy the replacement windshield from them. Their implied guarantee will only cover a CREDIT towards the cost of a new replacement, and only if they have not put a time frame on the guarantee. If they do apply the credit towards a new windshield most of these shops will increase the cost at least by the amount of the repair.

Hopefully I have cleared the air about some of the most common windshield repair misconceptions. However, if you have any other questions or want to know more about how we can help you fix your windshield just give us a call! You can reach Chapman Auto Glass representative at (505) 228-5869 to get the expert advice and exceptional service you need.

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Bus Driver Flies Through Windshield After Crash With Truck, Albuquerque, New Mexico

The U.S. Department of Transportation mandates that all new vehicles pass Federal Motor Vehicle Safety Standard (FMVSS) performance tests. These tests ensure vehicles maintain a minimum safety standard. Standards concerning windshields are:
FMVSS 212 measures windshield retention in a barrier crash. Every make and model vehicle is accelerated to 30 mph and crashed head-on into a concrete barrier. The automobile must retain 75 percent of the windshield along the pinchweld perimeter. Some vehicle manufacturers require 100% retention in this severe crash test.
FMVSS 216 is the roof crush performance test. It measures the structural strength required to protect occupants in the event the vehicle rolls over. One and one-half times the unloaded vehicle weight or 6,000 lbs. (whichever is less) of force is applied at an angle to the roof. The roof structure can depress no more than five inches to pass. Note: the windshield provides 30-70% of the roof strength.
FMVSS 208 occupant crash protection specifies equipment requirements for active and passive restraints, including air bags. There can be no separation of load-bearing safety assemblies in a 30 mph barrier crash. This pertains to the windshield because the passenger side air bag deploys off the windshield in order to perform its safety function.

 

 

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