How do you personally decide whether a windshield replacement is worth filing as a claim?Assume modern glass, possible calibration cost, and a deductible that makes the math less obvious than people expect.Curious what factors matter most to people besides just the quote total.
At what price difference would you skip the glass claim and just pay out of pocket?
byu/ashleyturner__ inInsurance
Posted by ashleyturner__
2 Comments
It’s a decision based on the total cost and your appetite to pay that cost in full, rather than just your deductible. If the total cost is 500 and you have a 100 deductible, would you rather pay 500 or 100? That’s really what it comes down to. Of course, you have to review your own policy to determine how much your deductible is and if there are any limitations or exclusions that apply. If you file a claim, the adjuster can tell you the limits or exclusions as part of the claim investigation, but none of us would know. I’m not sure what you mean by “price difference” but I assume it’s the difference between the total cost and your deductible. You’d have to find out both of those figures and figure out if the delta is worth a claim or if you’d rather pay in full. It’s realistically a purely personal decision.
Don’t let a low deductible, fool you into thinking it’s worthwhile making a claim.
Imagine your deductible is $2500 instead.
If you think that poisoning your claim history, with a claim, will increase your rates, when you renew, then do the math for how much extra you will pay, over the next 5 years, if they raise your rates by 20%. Is that number for higher than $2,500?