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Message
Deductible swticharoo to get Windshield replaced...
Posted on 5/15/17 at 1:55 pm
Posted on 5/15/17 at 1:55 pm
Asking for a friend. If you drop your auto deductible to zero then have windshield replaced then bump deductible back up, what happens?
I imagine you have a minimum period of time you'll be liable for the zero deductible premium increase? Is that amount higher or lower than the few hundy a new windshield costs if paying cash?
TIA, I'll let friend know of your replies. Settle our argument plz....
ps - GEICO
I imagine you have a minimum period of time you'll be liable for the zero deductible premium increase? Is that amount higher or lower than the few hundy a new windshield costs if paying cash?
TIA, I'll let friend know of your replies. Settle our argument plz....
ps - GEICO
This post was edited on 5/15/17 at 2:29 pm
15
Posted on 5/15/17 at 1:56 pm to The Mick
good lord its like $150 to replace a windshield. how cheap is your friend?
Posted on 5/15/17 at 1:57 pm to The Mick
It's called insurance fraud in case you were wondering 
You should really go out and price some windshields on newer, well equipped vehicles. $1000+ is not uncommon.
quote:
good lord its like $150 to replace a windshield. how cheap is your friend?
You should really go out and price some windshields on newer, well equipped vehicles. $1000+ is not uncommon.
Posted on 5/15/17 at 1:57 pm to The Mick
quote:
If you drop your auto deductible to zero then have windshield replaced then bump deductible back up, what happens?
You've committed insurance fraud and can go to jail.
ETA: Your "friend" doesn't think it would look suspicious and raise red flags with his insurer if he lowered his deductible to zero then just coincidentally had a windshield claim right after?
This post was edited on 5/15/17 at 2:00 pm
Posted on 5/15/17 at 2:02 pm to Tiger Prawn
How do you know it's fraud? I understand why you say that I'm just asking if you know that to be the case or you're assuming so.
My guess is there's a rule that if you lower your deductible you have to pay that premium amount for a period of time. The insurance company have the last laugh of course...
My guess is there's a rule that if you lower your deductible you have to pay that premium amount for a period of time. The insurance company have the last laugh of course...
Posted on 5/15/17 at 2:07 pm to KG6
quote:
You should really go out and price some windshields on newer, well equipped vehicles. $1000+ is not uncommon.
HOLY shite.
i just replaced my 4runner front windshield and it was $99.
Posted on 5/15/17 at 2:08 pm to The Mick
quote:
My guess is there's a rule that if you lower your deductible you have to pay that premium amount for a period of time.
so you think you can lower your deductible and not have an endorsement premium charge for it?
if one was to lower your comprehensive deductible, i might its quite common for a rock to hit the windshield within the next couple months i'd say....
Posted on 5/15/17 at 2:08 pm to The Mick
Yea that's not suspicious AT ALL.
Posted on 5/15/17 at 2:09 pm to CAD703X
quote:
i just replaced my 4runner front windshield and it was $99.
What company did you use?
Posted on 5/15/17 at 2:09 pm to The Mick
I'm going out on an extremely small limb here, but somehow I doubt insurance companies have a loophole this massive.
Posted on 5/15/17 at 2:09 pm to Chad504boy
quote:No, I said the exact opposite.
so you think you can lower your deductible and not have an endorsement premium charge for it?
Posted on 5/15/17 at 2:11 pm to The Mick
quote:
No, I said the exact opposite.
you said it like it was a fricking mysterious question.
Posted on 5/15/17 at 2:11 pm to KG6
quote:
You should really go out and price some windshields on newer, well equipped vehicles. $1000+ is not uncommon
Either the windshield or the car (or both) needs to change. Windshields are like light bulbs, bumper covers, or tires. Ease and costs of replacement should be major influences of the design.
No windshield survives thousands of miles on Louisiana's roads intact.
This post was edited on 5/15/17 at 2:14 pm
Posted on 5/15/17 at 2:11 pm to Jcorye1
quote:I doubt there's a loophole and that was my argument. I cant imagine there not being a premium adjustment for a minimum period of time even if the deductible is raised back up soon after the glass is replaced.
I doubt insurance companies have a loophole this massive.
Posted on 5/15/17 at 2:11 pm to KG6
quote:
You should really go out and price some windshields on newer, well equipped vehicles. $1000+ is not uncommon.
You do realize you don't have to replace ALL the glass just because the front windshield is broken
Posted on 5/15/17 at 2:13 pm to The Mick
You can change your policies as you wish. But sometimes they may ask to see the windshield (or have you take a picture) before they start the policy.
Posted on 5/15/17 at 2:15 pm to Chad504boy
quote:I didn't mean to if that's how you read it. What I meant was this - obviously the premium will go up if you drop to zero deductible. If you keep the zero ded for only 7 days, I find it hard to believe you would only owe prorated for 7 days. Meaning the insurance companies have to be hip to the switcheroo and have a minimum timeframe to keep that zero ded.
you said it like it was a fricking mysterious question.
Posted on 5/15/17 at 2:15 pm to KG6
quote:
$1000+ is not uncommon.
Frick that, $160 for the Jeep windshield.
ETA: Only idiots pay extra for OEM windshields with the original logos.
This post was edited on 5/15/17 at 2:16 pm
Posted on 5/15/17 at 2:18 pm to The Mick
quote:
How do you know it's fraud?
Because the deductible that applies would be whatever deductible that was on the policy the date the damage occurred, not the date you filed a claim. So if the windshield got cracked on May 1 and you had a $500 deductible at that time, but then lowered your deductible to $0 before filing the claim, the $500 deductible in effect at the time the damage occurred would apply. The only way to get around the deductible like you're trying to do would be if you lowered the deductible, waited a few days, then filed the claim and lied about the date the damage happened. Intentionally lying regarding insurance claim = insurance fraud.
quote:
My guess is there's a rule that if you lower your deductible you have to pay that premium amount for a period of time
No such rule that I've heard of. It'll just look even more suspicious if you lower your deductible, file a claim shortly after, then raise the deductible back up again.
Posted on 5/15/17 at 2:19 pm to The Mick
How bad is the damage to the windshield? If you can still drive with it, you can do a Charleston Charity!! That's basically switching your insurance coverage and waiting two months to put the claim in. Tell them you were on the highway and the car in front of you kicked up a rock. After the windshield has been replaced you won't have to wait as long to switch the insurance back. Your premium may be higher for those 2 months but you won't have to cover the windshield costs!!!
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