Why the State farm Insurance Company does not pay the windshield chirps repair?

Question

During the last year, I had 2 windshield chips repair. While my wife was coming back home from work on HWY 680, a stone hits the windshield ( Benz, M 350) and chipped the front windshild. TO prevent further spread and save some money (about $700 to $1000 for replacement) for bothsides, I took it to the shop and repaired it for just $49.99.

However, the Insurance compny notified my that windshield repairs will not be paid anymore!? It means, I would be better off to pay $200 more and let him pay the rest ($700 - 750).

But, when they pay it couple times, then they drop your insurance. As the All State did with my home insurance for just about $2000 after 10 years that I had 2 cars and home insurances with them and no other claims.

Answer 1

State Farm stopped paying for windshield chips a long time ago. They were spending a lot of money on these repairs and rather than raising rates, they decided to apply the deductible to these types of losses.

And, getting a chip repaired is better for you than replacing the windshield. The windshield is there to keep you safe and no company can replicate the seal the windshield has right out of the factory. Glass companies will always say repairs are the way to go.

State Farm will not drop you for comprehensive claims.

If you are concerned about this, look into lowering your comprehensive deductible. You'll be surprised how little the increase is to have a $0 deductible. Then, chips will be paid for in full!

Answer 2

Insurance's purpose is to take care of you when you have a LARGE or catastrophic occurence that you couldn't typically take care of yourself

There is no limit for "comprehensive claims". They are consider not-at-fault... Comprehensive claims include acts of God (fire, flood, wind etc), hitting an animal and any type of glass breakage (unless you did it yourself)...

Sounds like they've made your deductible (the amount you are required to pay if you have a claim) higher to keep you from using it too often!

I usually suggest a $0 or $50 for people who don't put in alot of claims - because if one of these "strange occurences" happen. I want my clients to be able to get their vehicles taken care of...

BUT you seem to be habitually using it (kinda abusing it).  Some things are small and you should take care of them yourself...

Hopefully your agent didn't take your Comprehensive OFF your policy!! Because if you abuse it - they can strip it off and they will take your Collision off as well (Collision takes care of the at-fault accidents & hit & runs) because they are sold as a package

Answer 3

Because when people start getting lots of those chips, it's a clue that the driver is an habitual tailgater.