[WATacoRider]

Tomorrow will be 2 months of ownership. Went to work this morning and notice my passenger window is cracked! I got out and looked. I see 4 impact points, so to me, this ruled out accidently impact. Instead, I believe someone used something and tried to smash my window in with 4 attempts. Must have been something small and pointy. Screwdriver maybe?

Anyways, now I need a new window. How much does it run for our vehicles? Are they the same as the 11-13 models?

'14 Limited btw.

 

[bill_de]

Do you have full glass coverage on your insurance?


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[visitador]

Please check the 2014 diesel sub forum. One member seems to have a similar
Issue like yours.

 

[WATacoRider]

Do you have full glass coverage on your insurance?


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I do have full coverage, but I don't see any glass coverage listed on my insurance.

I know they don't have windshield replacement, at least not free.

 

[WATacoRider]

Please check the 2014 diesel sub forum. One member seems to have a similar
Issue like yours.

Just looked. I'm 99.99% confident my damage is from direct impact. Best pic I can do at the moment. It's dark and raining. I pointed out the impact points.

 

[visitador]

Yes, that looks different than the hairline cracks shown on the pictures of the diesel owner. Best of luck with the insurance.

 

[jacko15]

It will be covered by your insurance, but without the full glass rider, you'll probably have to pay the comp deductible.

 

[johngreen1234]

Why would somebody ping their own insurance over a couple hundred bucks? Rest assured your higher premiums will more than offset any benefit (to say nothing of potential deductible).

To the OP: Yes that looks like a failed break in. If it was me, I would figured out how to make my car look more "watched". While it was probably somebody walking by on a one-time prowl, just in case somebody's scouting my car, I make a point of alternating my parking orientation, nose-in or back-in. A Motion-activated floodlight would help (that's on my list).

For pissant stuff like windows or windshield, I keep the insurance in the dark. Even if it's not your fault it still counts against you. With that in mind, I do a $1,000 deductible and pocket the cash saved for stuff just like this.

 

[bill_de]

Why would somebody ping their own insurance over a couple hundred bucks? Rest assured your higher premiums will more than offset any benefit (to say nothing of potential deductible).
QUOTE]


I don't know what it is where you live, but typically comprehensive claims, which includes glass, have no effect on your policy. You should contact your state insurance department and ask them for a copy of the regulations pertaining to this.

 

[Marlon_JB2]

I don't know what it is where you live, but typically comprehensive claims, which includes glass, have no effect on your policy. You should contact your state insurance department and ask them for a copy of the regulations pertaining to this.

Yup. Now an at-fault collision claim is going to kill you. (Speeding tickets, DUIs, etc etc... heh, will also do the same...)

Comprehensive claims don't result in a rate hike.

 

[AAAA]

Stuff happens. Not fun. Get it repaired. Move on.

 

[ChrisOC]

Why would somebody ping their own insurance over a couple hundred bucks? Rest assured your higher premiums will more than offset any benefit (to say nothing of potential deductible). To the OP: Yes that looks like a failed break in. If it was me, I would figured out how to make my car look more "watched". While it was probably somebody walking by on a one-time prowl, just in case somebody's scouting my car, I make a point of alternating my parking orientation, nose-in or back-in. A Motion-activated floodlight would help (that's on my list). For pissant stuff like windows or windshield, I keep the insurance in the dark. Even if it's not your fault it still counts against you. With that in mind, I do a $1,000 deductible and pocket the cash saved for stuff just like this.

I agree with everything here. But, last month, I parked under a streetlight, grass between my Jeep and the sidewalk, a driveway in front of me, and I came back to a Jeep with a broken passenger side mirror. Well, the plastic is broken, $450 repair for the whole piece. Point being, any Asshole can come by an **** your shit up.

OP, be greatfull that they didn't get in. Some other member had a worse experience where the person damaged everything near the window trying to get in.

 

[plynn7]

Why would somebody ping their own insurance over a couple hundred bucks? Rest assured your higher premiums will more than offset any benefit (to say nothing of potential deductible).
QUOTE]


I don't know what it is where you live, but typically comprehensive claims, which includes glass, have no effect on your policy. You should contact your state insurance department and ask them for a copy of the regulations pertaining to this.

Insurance companies have a way of screwing you one way or another. Example, a few months ago I was shopping for insurance quotes as I do every year when my policy renews. I go online fill out some basic info for one of the bigger carriers and get a decent quote. So I decide to go with them, I proceeded to enter my personal info such as the wife's and my driver license numbers, after that the price jumped by $300 a year.

So I called the company and question why the rate had jumped, they explained after checking my wife’s license number that she was in accident the year before, I told them it was not her fault and the other driver's insurance took full responsibility. My wife was in a shopping mall parking lot stopped at a stop sign waiting for cross traffic to clear and a car backed out of a parking spot and hit her car. The insurance company said even though my wife was not at fault she was still involved in an accident and that made her a higher risk

 

[bill_de]

Insurance companies have a way of screwing you one way or another. Example, a few months ago I was shopping for insurance quotes as I do every year when my policy renews. I go online fill out some basic info for one of the bigger carriers and get a decent quote. So I decide to go with them, I proceeded to enter my personal info such as the wife's and my driver license numbers, after that the price jumped by $300 a year.

So I called the company and question why the rate had jumped, they explained after checking my wife’s license number that she was in accident the year before, I told them it was not her fault and the other driver's insurance took full responsibility. My wife was in a shopping mall parking lot stopped at a stop sign waiting for cross traffic to clear and a car backed out of a parking spot and hit her car. The insurance company said even though my wife was not at fault she was still involved in an accident and that made her a higher risk

I'm surprised when you gave them the basic information they didn't ask if any driver had been "involved" in an accident in the past three years. If they did ask the question and you chose to leave that information out, that would raise a red flag. With the online stuff today they sometimes don't ask enough questions up front.

Since you shop every year you are probably familiar with how accidents and rates interact with each other. If you have an "at fault" accident, your policy is (under certain conditions) surcharged. If you are "involved" in any accident, you may lose the Good Drivers discount. The effect on your wallet is the same, but the regulators look at these as two different (for lack of a better word) features of a policy.


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[lillyjas]

Sorry to hear about the window... This fall I had a weed wacker throw a stone through my drivers side front window of my '14 SRT... Sucks so I know your pain

My deductible is $550 and the window installed was only $289... Plus $50 for the tinting..... So I just paid for it out of pocket.. Side windows are like front windshields in terms of insurance claims. Good luck

 

[WATacoRider]

I got a quote from SpeedyGlass for $241 for front replacement. I don't know what kind of glass it is yet. Waiting for confirmation.

Anyways, is there a way to add-on to our stock alarms? Like put an impact sensor and/or glass breakage?

 

[muzhik]

Insurance companies have a way of screwing you one way or another. Example, a few months ago I was shopping for insurance quotes as I do every year when my policy renews. I go online fill out some basic info for one of the bigger carriers and get a decent quote. So I decide to go with them, I proceeded to enter my personal info such as the wife's and my driver license numbers, after that the price jumped by $300 a year.

So I called the company and question why the rate had jumped, they explained after checking my wife’s license number that she was in accident the year before, I told them it was not her fault and the other driver's insurance took full responsibility. My wife was in a shopping mall parking lot stopped at a stop sign waiting for cross traffic to clear and a car backed out of a parking spot and hit her car. The insurance company said even though my wife was not at fault she was still involved in an accident and that made her a higher risk

I had a similar problem when I called Geico for a quote upon moving to Russia. USAA, my regular ins. co. doesn't write in Russia. Here was the gist of that conversation:

Geico: Have you had any accidents in the last 5 years?

Me: Yes, I hit a deer last fall.

Geico: Was there a claim?

Me: Yes, but it was on my comprehensive coverage and deemed an "Act of God."

Geico: That's too bad. We can't give you our safe driver discount.

Me: Because a deer stepped out in front of me, I'm not a safe driver?

Geico: Was there a claim?

Me: I already told you there was.

Geico: Was the claim on YOUR insurance?

Me: Yes, it turns out that b*tch was uninsured

Geico: You dont' qualify

Me: Get bent

 

[Wxchaser]

I had a similar problem when I called Geico for a quote upon moving to Russia. USAA, my regular ins. co. doesn't write in Russia. Here was the gist of that conversation:

Geico: Have you had any accidents in the last 5 years?

Me: Yes, I hit a deer last fall.

Geico: Was there a claim?

Me: Yes, but it was on my comprehensive coverage and deemed an "Act of God."

Geico: That's too bad. We can't give you our safe driver discount.

Me: Because a deer stepped out in front of me, I'm not a safe driver?

Geico: Was there a claim?

Me: I already told you there was.

Geico: Was the claim on YOUR insurance?

Me: Yes, it turns out that b*tch was uninsured

Geico: You dont' qualify

Me: Get bent

Having just had a GC Overland totaled by a large buck, your quote just made my day. I was reading it at work and burst out in uncontrollable laughter. Thanks!

 

[AAAA]

Don't hit a deer in Russia. They could make you move to Mongolia.

 

[plynn7]

I had a similar problem when I called Geico for a quote upon moving to Russia. USAA, my regular ins. co. doesn't write in Russia. Here was the gist of that conversation:

Geico: Have you had any accidents in the last 5 years?

Me: Yes, I hit a deer last fall.

Geico: Was there a claim?

Me: Yes, but it was on my comprehensive coverage and deemed an "Act of God."

Geico: That's too bad. We can't give you our safe driver discount.

Me: Because a deer stepped out in front of me, I'm not a safe driver?

Geico: Was there a claim?

Me: I already told you there was.

Geico: Was the claim on YOUR insurance?

Me: Yes, it turns out that b*tch was uninsured

Geico: You dont' qualify

Me: Get bent

That was the same company who wanted to charge me the $300 more a year for an accident that my wife could not prevent and was not her fault. :slapfight: