Page 1 of 2 1 2 LastLast
Results 1 to 20 of 25

Thread: Insurance windshield/glass coverage

  1. #1
    Join Date
    Mar 2003
    Location
    403
    My Ride
    EP3, S2K & TLX
    Posts
    5,549
    Rep Power
    20

    Default Insurance windshield/glass coverage

    I've always opted out of glass coverage but my vehicles has always just had standard cheap windshields (not heated or anything). Looking at over $1k for the Acura so I'm considering opting into glass coverage after I replace it.

    Do your rates go up if you start making glass claims, most likely once a year?

    Can you choose to go with OEM glass or will insurance only pay for non-oem replacement glass?

    How big of a pain is the whole process, assume its an easy call/claim.

  2. #2
    Join Date
    Jan 2008
    Location
    Food Court Wifi
    My Ride
    2010 Recession Fighter LX
    Posts
    3,870
    Rep Power
    13

    Default

    Interested as well. Have never had this, but never had a windshield last more than a year without getting major damage. Usually end up just driving with a cracked windshield unless it's right in front of the driver.

  3. #3
    Join Date
    Feb 2004
    Location
    C-Town
    My Ride
    MK7 Golf R
    Posts
    6,746
    Rep Power
    20

    Default

    New cars with rain sensors, collision detection cameras, etc can cost up to or more than $1000 to change so it's something to keep in mind when you purchase a new car with options like this. I got a big crack on my R's windshield and it's close to $1000 because the dealer has to recalibrate the camera. Fortunately I have a $250 deductible. You can try and cheap out and go to glass shops but I have seen several threads in forums where glass installers have messed up on the Golf R's with DAP so to me it's not worth it.

  4. #4
    Join Date
    Mar 2009
    Location
    Calgary
    My Ride
    Silverado
    Posts
    1,912
    Rep Power
    10

    Default

    typically OEM glass would not be used. But I would highly recommend the glass coverage if you have a panoramic sunroof.
    Originally posted by ExtraSlow
    This thread is great, finally we are mixing the regular hate and intolerance with some actual car talk.
    Originally posted by Mar
    This cannot be for real, nobody's that stupid. I think this guy is just trying to cause shit.

  5. #5
    Join Date
    Apr 2005
    Location
    Calgary
    My Ride
    Buffalo Truck & something w/ Seriously Round Tires
    Posts
    2,343
    Rep Power
    15

    Default

    We're starting to see a FEW more people ask about glass coverage but it can still be cost prohibitive. As a general rule OEM will not be used if a less expensive alternate is available. So, my suggestion would be that when a dealership tells you that a new windshield is $1000, call one or two regular glass shops and see what they charge and then base your cost / benefit analysis on that number.
    Insurance Guru - Forum Sponsor

    "Masked Bandit is a gateway drug for frugal spending." - Unknown303

    www.touchstoneinsurance.ca

  6. #6
    Join Date
    Sep 2004
    Location
    Calgary
    My Ride
    2017 Civic Hatch ST
    Posts
    8,403
    Rep Power
    21

    Default

    How can the shops get away with non-OEM glass when it can severely affect safety features? Could you make a case for an OEM replacement through insurance with that train of thought or no? If not, might as well just pay out of pocket.

  7. #7
    Join Date
    Jul 2010
    Location
    Technically the NE
    My Ride
    C63S
    Posts
    2,854
    Rep Power
    9

    Default

    My car has all the bells and whistles in the windshield except for a HUD and it was ~650 bucks installed for Saint Gobain Sekurit glass (OE equivalent ) to replace mine last summer from Cal Alta.

    1k+ sounds excessive. That's what the dealer was quoting me....

    All my collision prevention cameras worked fine after the replacement.
    Originally posted by Thales of Miletus

    If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
    Originally posted by Toma
    fact.

  8. #8
    Join Date
    Apr 2005
    Location
    Calgary
    My Ride
    Buffalo Truck & something w/ Seriously Round Tires
    Posts
    2,343
    Rep Power
    15

    Default

    Originally posted by Mitsu3000gt
    How can the shops get away with non-OEM glass when it can severely affect safety features? Could you make a case for an OEM replacement through insurance with that train of thought or no? If not, might as well just pay out of pocket.
    What makes you think that a non-OEM windshield is less safe? Now granted I don't work in the glass industry but I've always been told that there's only a handful of factories that spit out all the glass for OEM and non-OEM stock. Same stuff, different label.

    Trust me, if there was ACTUALLY a liability risk for the insurance companies they wouldn't be agreeing to it.
    Insurance Guru - Forum Sponsor

    "Masked Bandit is a gateway drug for frugal spending." - Unknown303

    www.touchstoneinsurance.ca

  9. #9
    Join Date
    Jan 2008
    Location
    Food Court Wifi
    My Ride
    2010 Recession Fighter LX
    Posts
    3,870
    Rep Power
    13

    Default

    People use non OEM tires all the time and they are probably the most import safety feature on a vehicle.

  10. #10
    Join Date
    Sep 2004
    Location
    Calgary
    My Ride
    2017 Civic Hatch ST
    Posts
    8,403
    Rep Power
    21

    Default

    Originally posted by Masked Bandit


    What makes you think that a non-OEM windshield is less safe? Now granted I don't work in the glass industry but I've always been told that there's only a handful of factories that spit out all the glass for OEM and non-OEM stock. Same stuff, different label.

    Trust me, if there was ACTUALLY a liability risk for the insurance companies they wouldn't be agreeing to it.
    Just earlier comments about some third party windshields not playing nice with the safety tech like autonomous braking (which is usually handled by a camera and sensor array in the top part of the windshield). If it were just a normal windshield they yeah I doubt it matters, but with all the latest cars you would want to be 100% sure it had no adverse effect on the operation of the safety equipment.

    For example:

  11. #11
    Join Date
    Jul 2010
    Location
    Technically the NE
    My Ride
    C63S
    Posts
    2,854
    Rep Power
    9

    Default

    I think a good example would be if there is a distortion or ripple in the glass over the camera. All the sudden the car might think you are outside of your lane or something and either correct or just start alarming at you. Could easily happen.

    On the tire example; if your car comes with high performance tires and you go with some POS's instead. Car's electronics are calibrated for a certain level of grip and if all the sudden your braking distance goes up by 50% (example) then automatic braking systems or advanced ABS etc. won't work effectively and could easily lead to an accident.

    I can see the argument for sure. i think the biggest thing is if you don't go OEM then make sure you are confident in the product you are buying.

    Originally posted by Thales of Miletus

    If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
    Originally posted by Toma
    fact.

  12. #12
    Join Date
    Jun 2015
    Location
    Edmonton
    My Ride
    LNF
    Posts
    132
    Rep Power
    0

    Default

    Originally posted by Masked Bandit
    We're starting to see a FEW more people ask about glass coverage but it can still be cost prohibitive. As a general rule OEM will not be used if a less expensive alternate is available. So, my suggestion would be that when a dealership tells you that a new windshield is $1000, call one or two regular glass shops and see what they charge and then base your cost / benefit analysis on that number.
    Another thing is that dealerships do not change windshields.. They just send them to shops to replace the glass. I worked at windshield surgeons in Edmonton when I was in high school and used to go pick up cars from every dealer in the west end. Volvo and BMW (certain models) would supply glass. Every other dealer used whatever glass we had.

  13. #13
    Join Date
    Feb 2004
    Location
    C-Town
    My Ride
    MK7 Golf R
    Posts
    6,746
    Rep Power
    20

    Default

    Originally posted by Masked Bandit


    What makes you think that a non-OEM windshield is less safe? Now granted I don't work in the glass industry but I've always been told that there's only a handful of factories that spit out all the glass for OEM and non-OEM stock. Same stuff, different label.

    Trust me, if there was ACTUALLY a liability risk for the insurance companies they wouldn't be agreeing to it.
    I know there's been an issue with aftermarket glass for DAP VW's. There's a picture online of a glass shop that glued in the rain sensor with a massive blob of glue behind the sensor because the glass guides were off. Also it seems a lot of them break the clips on the plastic housing for the sensors. I would just rather a dealer do it as they will be used to taking off the parts and installing them correctly as opposed to a shop where they are working on all brands and you may get a guy that hasn't done a DAP car before. It seems when a glass shop screws up your DAP you are forced to pay $$$ to a dealer to fix it. Simply not worth the headache.
    Last edited by heavyD; 03-20-2017 at 03:29 PM.

  14. #14
    Join Date
    Jul 2008
    Location
    Calgary, Alberta
    My Ride
    '13 F150 King Ranch, 99 Civic SiR
    Posts
    1,302
    Rep Power
    10

    Default

    Originally posted by Mitsu3000gt
    How can the shops get away with non-OEM glass when it can severely affect safety features? Could you make a case for an OEM replacement through insurance with that train of thought or no? If not, might as well just pay out of pocket.
    wat?

    Glass is Glass. its all made by the same people. difference is the sticker on it.

  15. #15
    Join Date
    Mar 2009
    Location
    Calgary
    My Ride
    '10 CTS
    Posts
    325
    Rep Power
    0

    Default

    Next time you're driving look beside you through other people's windshields from the side window an angle.
    Seems to me about 3 in 10 are wavy as shit.

  16. #16
    Join Date
    Jan 2004
    Location
    Calgary, Alberta
    My Ride
    2016 MB C450
    Posts
    7,582
    Rep Power
    21

    Default

    Originally posted by ShermanEF9


    wat?

    Glass is Glass. its all made by the same people. difference is the sticker on it.
    No. OEM glass has better QA. Kind of like comparing a Nikon Lense vs a Tamron Lense. The chances you get a bad copy is higher with Tamron.

    Same with windshield. I have seen really bad shit sometimes for what Cal Alta uses although I have lucked out the few times I used them or I simply don't care.

    That's said, dealer quote always seems to be around $1000 for anything with HUD or rain sensors/cameras.

  17. #17
    Join Date
    Jul 2008
    Location
    Calgary, Alberta
    My Ride
    '13 F150 King Ranch, 99 Civic SiR
    Posts
    1,302
    Rep Power
    10

    Default

    Originally posted by Xtrema


    No. OEM glass has better QA. Kind of like comparing a Nikon Lense vs a Tamron Lense. The chances you get a bad copy is higher with Tamron.

    Same with windshield. I have seen really bad shit sometimes for what Cal Alta uses although I have lucked out the few times I used them or I simply don't care.

    That's said, dealer quote always seems to be around $1000 for anything with HUD or rain sensors/cameras.
    Obviously OEM will have a higher QA, and will be less tolerant of imperfections. i was arguing the case of safety. OEM glass vs aftermarket are both as safe as the other.

  18. #18
    Join Date
    Aug 2009
    Location
    Local
    My Ride
    Can't driver because I'm legally blind
    Posts
    599
    Rep Power
    8

    Default

    Originally posted by killramos
    My car has all the bells and whistles in the windshield except for a HUD and it was ~650 bucks installed for Saint Gobain Sekurit glass (OE equivalent ) to replace mine last summer from Cal Alta.

    1k+ sounds excessive. That's what the dealer was quoting me....

    All my collision prevention cameras worked fine after the replacement.
    I have 3 separate quotes for my windshield right now and the cheapest so far was $1500 with the most expensive being $1970 from the dealer.

    I get additional 25% off from my business but still ends up being over $1000.

  19. #19
    Join Date
    Mar 2003
    Location
    403
    My Ride
    EP3, S2K & TLX
    Posts
    5,549
    Rep Power
    20

    Default

    Do glass claims have any effect on your rates when its renewal time.

    Really the glass coverage is only worth the added premium costs if you use it often (ever year or so).

  20. #20
    Join Date
    Nov 2003
    Location
    Moo Town
    My Ride
    (0^oo^0)~
    Posts
    328
    Rep Power
    0

    Default

    Originally posted by 88CRX
    Do glass claims have any effect on your rates when its renewal time.

    Really the glass coverage is only worth the added premium costs if you use it often (ever year or so).
    I'd like to know as well because I'm always under the impression that any claim (other than no-fault claims) will contribute to higher premiums because insurance is always looking to bend us over

    I have a windshield that could use replacing.
    Last edited by rx7boi; 03-21-2017 at 09:54 AM.

Page 1 of 2 1 2 LastLast

Similar Threads

  1. Spousal health coverage when you have your own coverage

    By killramos in forum Sports, Health & Fitness
    Replies: 9
    Latest Threads: 03-29-2016, 01:34 PM
  2. Insurance Refuse Basic Coverage....clarification pls

    By mx73someday in forum Society / Law / Current Events / Politics
    Replies: 9
    Latest Threads: 04-07-2010, 06:56 PM
  3. Replies: 13
    Latest Threads: 04-16-2009, 12:49 PM
  4. RHD car Theft, fire, and vandalism INSURANCE coverage

    By randedge in forum General Car/Bike Talk
    Replies: 6
    Latest Threads: 09-27-2007, 04:26 PM
  5. Raise your coverage on car insurance

    By Xtrema in forum Society / Law / Current Events / Politics
    Replies: 16
    Latest Threads: 11-29-2004, 09:22 AM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •