I Need a New Windshield
06-13-15, 12:22 PM
#16
Lexus Test Driver
Thread Starter
06-13-15, 03:32 PM
#17
Lexus Fanatic
Doesn't matter. Glass is a comprehensive claim, "glass coverage" is a separate low/no deductible policy. I have "glass coverage" with no deductible, and when I required OEM glass they had to do it separately as a comprehensive claim and I had to pay my comprehensive deductible ($50). Under my "glass coverage" there wouldn't have been any deductible but I would have had to accept an aftermarket windshield.
06-14-15, 10:57 AM
#18
Holy toledo !! I hate to see what the heated one costs in Canada these days!
When I insured my new GS both Ins. companies I deal with stated it was a new Luxury car so the ONLY deductible available was $1000, including the comprehensive. The premium is reasonable at $580 a year, includes 5 yr. OEM replacement parts with no depreciation for those first 5 years.
When I found a company that had a lower deductible the premium was triple and the coverage not as good
Insurance companies never lose !
When I insured my new GS both Ins. companies I deal with stated it was a new Luxury car so the ONLY deductible available was $1000, including the comprehensive. The premium is reasonable at $580 a year, includes 5 yr. OEM replacement parts with no depreciation for those first 5 years.
When I found a company that had a lower deductible the premium was triple and the coverage not as good
Insurance companies never lose !
06-14-15, 11:25 AM
#19
Lexus Fanatic
When I insured my new GS both Ins. companies I deal with stated it was a new Luxury car so the ONLY deductible available was $1000, including the comprehensive. The premium is reasonable at $580 a year, includes 5 yr. OEM replacement parts with no depreciation for those first 5 years.
06-14-15, 11:55 AM
#20
Every company is different, and its different in the US than in Canada I'm sure. My collision deductible is $1,000, but I get discounts from that for every year accident free, so its essentially $500 (the maximum deduction), and my comprehensive/uninsured motorist coverages have a $50 deductible. A lower deductible for comprehensive doesn't do much to the premium, where the collision deductible does.
I haven't had glass coverage forever due to it costing an extra ~$140+ a year. With all the big muddy trucks everywhere in oil country, the ins. companies claimed they were losing $$ on windshield insurance.
When I insured the GS the policy was different because it was a new Luxury car?
So because of the high deductible they include glass. However I had to ask about it else I would have paid the same premium but with no windshield coverage, because it had always been removed prior to insuring the TL.
Last edited by 99alta; 06-14-15 at 05:42 PM.
06-14-15, 11:57 AM
#21
Lexus Fanatic
06-14-15, 11:57 PM
#22
Lexus Test Driver
Okay enlighten me a bit here.. I have a $500 deductible for everything and I do have comprehensive coverage, so if I crack my windshield like that how much do I have to pay out of pocket? If the replacement costs $1700+. How does insurance claims work? Will it go against me and skyrocket my rates?
06-15-15, 08:54 AM
#23
Lexus Fanatic
I Need a New Windshield
You should be able to turn it in as a comprehensive claim, pay your comprehensive deductible and have it not affect your rates.
06-15-15, 10:31 AM
#24
Lexus Test Driver
Okay that's better. Thanks Steve! 
06-15-15, 01:39 PM
#25
Lexus Test Driver
Thread Starter
I don't have insurance.
Hehe just messing with you guys, I'm more than covered.. I just didn't know a windshield was comprehensive. That's why I come here! Thanks guys
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