Posts Tagged ‘windshield replacement’

Pick Premium Auto Glass And A Certified Installer

Thursday, November 12th, 2015

Phoenix windshield replacement Choose to pay for the cheap auto glass, and a future road accident requiring windshield replacement can result in a more costly bill. Another possibility is that replacing auto glass with inferior material can result in serious bodily harm or even death. If a vehicle owner chooses the most inexpensive windshield replacement option, an accident can cause the auto glass to explode, resulting in a fatality easily prevented by choosing more expensive material.

Choose an Expert Installer for Windshield Replacement

Auto glass installed by an expert can prevent serious bodily injury because the windshield is more likely to stabilize within its proper place. Otherwise, drivers risk injuring themselves and passengers because auto glass installed by  amateurs can become loose, resulting in collapsed roofs.

Replace Auto Glass with Windshield Material Made by the Vehicle Manufacturer

While it is always tempting to pay less money for any item, do not take a chance with auto glass. Use the best material for a needed windshield replacement project, and hire a certified installer. An amateur installer may not know about the most recent installation techniques. However, a consumer who hires a certified installer is paying money for a safe and superior windshield replacement job.

Geico And Allstate To Raise Premiums

Wednesday, October 7th, 2015

Phoenix windshield replacement insurance claimsTwo of the largest auto insurance providers in the United States are set to raise premiums for policyholders.

Famous for their advertisements that state the company saves customers 15% in 15 minutes, Geico has said it is raising auto premiums following disappointing underwriting results in the first quarter of 2015. Geico’s underwriting profit for that period was $160 million down from $353 million from the same period in 2014.The company also reported more claims and claims that were more severe in several major coverage areas, with its loss ratio increasing to 80.1 as opposed to 75.8 in 2014.

Premiums written by Geico underwriters totaled $5,886 in the first quarter of 2015, an increase of 10.2%. A the same time, losses and lost adjustment expenses increased 16.6%, while underwriting expenses jumped 9.5%. SNL Financial has stated that Geico is the biggest spender out of any American property and casualty insurer, paying $1.18 billion in 2013 for advertising.Geico Insurance Arizona

Even though it experienced a 13% increase in first quarter profits, Allstate the largest publicly traded auto and home insurer in the United States has indicated it will also raise auto premiums. Allstate’s underwriting income from its auto division fell 48% during the first quarter to $144 million. Tom Wilson, Allstate CEO, indicated that accidents have increased because economic activity has increased with the improving economy. Premium hikes planned for late 2015 have been implemented earlier.

According to SNL, Geico is the second largest vehicle insurer in the United States behind State Farm. In 2013, Geico had approximately 10.4% of the market share, a figure that company executives believe has grown to 10.8%.

During 2014, Geico reported writing premiums worth approximately $21 billion, a figure 9.8% higher than the previous year. Its loss ratio for 2014 was 77.7, while underwriting expenses increased to $3.4 billion.

Windshield Replacement Scandal: Safelite Sued By Rich Campfield

Tuesday, September 1st, 2015

CourthouseA lawsuit has just been filed in the US District Court in Ohio’s Southern District by Rich Campfield against Safelite Solutions, Safelite Group and Safelite Fulfillment LLC. Mr. Campfield, who is the founder of Ultra Bond, is accusing Safelite of running a misleading ad campaign which favors complete replacement of windshields with long cracks over long-crack repairs. According to the court documents, Mr. Campfield alleges that the advertising has wiped out almost all of Ultra Bond’s market for its products and services. Since 1989, Ultra Bond has been offering long crack repair products and services.

The heart of the case is an advert claiming that cracks longer than six inches are irreparable. According to Rich Campfield, the advert claims that the windshield must be replaced if the crack exceeds six inches in length, which is not true and it’s only meant to mislead consumers into using their products and services.

According to court documents, Campfield claims that the misstatement misleads consumers to spend much more money on windshield replacement than they would on auto glass repairs in addition to removal of factory-installed windshields, which are structurally safer than third party windshields.

Campfield’s attorneys cited the Lenham Act, which prohibits any misleading or false description of fact, or misleading or false representation of fact, which through promotion or commercial advertising misrepresents the nature characteristics or qualities of goods, services or commercial activities.

The plaintiff alleges that Safelite’s actions have not only deprived consumers of their freedom of choice to have cracked windshields repaired, they have also adversely affected Ultra Bond’s business, which is a competitor, through their failure to disclose the availability of long-crack windshield repair option to consumers.

Campfield’s attorney noted that long-crack windshield repair is important as it helps consumers to retain the original manufacturer seal. Ultra Bond currently commands 50 to 75% of the country’s market share for long-glass repair products and services.

Campfield also noted that the cost of repairing a crack ranges from $100 to $150, while stone-chip damage repairs generally cost around $65. Furthermore, the insurance company will waive their policyholder’s deductibles, when they have their windshield repaired. On the other hand, policyholders are required to meet their insurance deductibles, which can be over $500, when they have their windshield replaced.

Safelite has not yet responded to the lawsuit which was filed on August 18, 2015. Rich Campfield is asking for actual damages, reasonable attorney’s fees and disgorgement of ill-gotten gains because Campfield alleges that they were obtained through unfair inducement, misrepresentations and deceptive practices.

Arizona is not the only auto glass “deductible free” state

Monday, August 3rd, 2015

Arizona insurance windshield replacementBroken, chipped and cracked windshields are the bane of many motorists. If the windsheild, rear window, sunroof or side windows on your car is harmed by anything apart from a collision, you will probably pay for it with comprehensive insurance. The states mentioned below have insurance legislation that addresses auto glass repair or replacement:

In Arizona, you can buy a separate windshield waiver or endorsement, when you buy car insurance. This applies throughout the state, in areas such as Peoria, Avondale, Tempe, Scottsdale, Flagstaff, Chandler, Glendale, Gilbert, Surprise, Phoenix, Mesa and Tucson. Motorists who have such waivers or endorsements do not have to pay their full deductibles, when they get their windshield or auto glass part replaced.

Massachusetts is often referred to as a ‘deductible free’ state, however this is somewhat of a misconception. Whether you reside in New Bedford, Brockton or Cambridge, the decision you make when buying your car insurance will determine whether you receive a complimentary windshield replacement included in your policy. Massachusetts residents can buy comprehensive policies with complimentary windshield replacement and repair, or policies with $100 auto glass deductibles.

In Florida, insurance firms are legally required to waive deductibles on windshield replacement claims. However, they do not have to do this for other types of auto glass. Kentucky is another ‘deductible free’ state, as far as auto glass and windshield replacement goes.

Insurance firms in New York can provide policies with no deductibles for replacing auto glass. The same goes for South Carolina, which is known as another ‘deductible free’ state for claims relating to auto glass and windshield replacement. Whether you reside in Charleston, Columbia, Rock Hill, North Charleston, Summerville, Sumter or Greenville (or any other area of South Carolina), if you damage your windshield and have comprehensive car insurance, you are probably eligible for a complimentary windshield replacement.

The Importance Of Keeping Your Auto Glass In Top Condition

Monday, November 24th, 2014

Many people take auto glass for granted. Its purpose seems so simple, after all: it lets you look out without wind and rain getting in, just like any other window. However, appearances can be deceptive. In fact, the glass in your windshield is often intended to do far more than function merely as a window. A car is made up of many different components, but they all work together in harmony to produce a single design, and the windshield factors into this in a big way. Not only does the windshield keep you protected from wind and rain, but it also keeps you safe in an accident.

Windshield Safety

Early windshields were installed to keep the wind and bugs out of your face. While this worked, it did not recognize the importance of the structure of the vehicle and the large area that it needs to protect in an accident. Ordinary glass tends to shatter into extremely dangerous shards, and combining it with a high-speed collision is a recipe for disaster. Furthermore, windshields were installed using gaskets (rubber seals)  to hold the glass to the body of the vehicle. No modern glass company sells this sort of windshield any more for precisely this reason. Instead, modern designs are intended to avoid shattering dangerously and now use a urethane (glue) to better hold the glass to the body keeping you safer in a collision or roll-over accident.

Structural Support

It’s hard for many people to imagine a pane of glass being used as a structural member, but this practice is common in everything from skyscrapers to smartphones. Many modern phones have very little strength or stiffness without the glass in the display. Your car is similar. The windshield is expected to provide a significant degree of support for the roof in the case of a roll-over accident.


It is obvious that auto glass is a really important part of your car. More significantly, it must be in top condition in order to fulfill its intended role. If the glass has been cracked or chipped, it is far more likely to give way at an inopportune moment. It is important to consider that a damaged windshield replacement may result in your car being far safer overall. A good glass company may be able to repair minor damage to your glass, but in more severe cases it is very important to replace the entire pane for maximum safety.