Posts Tagged ‘windshield’

How Does State Farm Insurance Handle Windshield Replacements?

Monday, November 9th, 2015

Auto Glass InsuranceA large number of motorists opt for State Farm Insurance for coverage. Of course, the company’s auto insurance provides coverage that’s comparable to most insurers. Each insurance provider tends to differ on auto glass and windshield replacements, though. Policyholders might be confused as to whether State Farm covers these replacements and when.

Does State Farm cover auto glass and windshield damage?

For the most part, the company does cover repairs and replacements for auto glass. Coverage is automatic for certain situations, and claims must be filed for others. A deductible is required based upon a policyholder’s plan. However, no deductible is charged for certain incidents. State laws can then have an impact on this entire situation, too.

Collision and Comprehensive Coverage Claims

If a motorist is involved in an accident, then he or she may file a claim under collision coverage. In this case, that policyholder will pay the deductible. All covered damage to the vehicle, including damaged auto glass and windshields, will then be repaired. The average deductible for policyholders under collision coverage is $500 at the moment.

Under comprehensive coverage, auto glass is sometimes covered with no deductible required. Policyholders will have to refer to the specifics of their own plan. Laws exist in some states that make auto glass repairs and replacements free.

Filing A Separate Claim For Auto Glass And Windshields

Many State Farm insurance policies allow policyholders to submit claims for damages to auto glass. For instance, damage occurring outside of an accident, like an errant rock, is covered under these separate claims. The deductible sometimes exceeds the cost of repairs, so motorists should consider paying for repairs or replacements out-of-pocket in that case.

State Farm Insurance: More Coverage Than The Competition

When it comes to auto glass repairs and replacements, State Farm offers more coverage than many insurance providers. In the end, policyholders need to read the fine print on their coverage plans to avoid problems. Each policy covers windshield replacement under some circumstances, but not all situations are covered in the most cost-effective manner possible.

A Windshield And A Rake

Monday, October 19th, 2015

farmers-rakeIn a series of unfortunate events, a Kerang woman experienced a lucky escape after an unusual object became embedded in her windshield. ‘

She was driving on Kerang-Koondrook Road when a farmer’s rake flew into the auto glass on her front window. Driving in the 100km/hr zone, the accident could have been much worse.

Just how did the rake get on the road in the first place? Well, that is a bit of a mystery for investigators and the insurance company. It could have fallen from a car going by, or been on the road already and projected into the air by another car. Police are investigating, and asking anyone with information to call the Kerang police department.

An embedded rake could have caused severe injury, or even death. Luckily for this 50-year old woman, neither of those serious problems occurred. First Constable Travis Collier described the event as a freak accident, and explained the motorist only received minor cuts from the breaking window.

She was taken to the hospital, but her release followed shortly. It definitely could have been worse according to Collier. If the rake were only “a couple of inches” to one side, her face would have received the bulk of the impact.

Apple Car Windshield May Offer Heads Up Information

Tuesday, October 13th, 2015

A vehicle windshield that operates somewhat like the technology used some aeroplane windshields which displays information in the driver’s line of sight right on the screen may be in the works from Apple if rumors about the new Apple Car are true.

According to communication sent out by the managing director of Global Equities Research, the self-driving Apple car reportedly under development will include the heads-up technology that will allow vehicle information to be displayed directly on the auto glass. This type of technology is considered safer because drivers don’t have to look down to view it, and could ostensibly lower insurance rates if it becomes a standard feature of new vehicles.
Driver gestures would reportedly control the screen, which could be as wide as 50 inches.

Speculation about the Apple self-driving car heightened recently after the Guardian newspaper in the United Kingdom obtained documents through a governmental freedom of information request that showed Apple has considered hiring a testing grounds developed solely for autonomous cars. In addition, media reports indicate the Apple has aggressively sought out and hired smart engineers from a variety of industries. Some tech industry watchers have called this move a deliberate red herring, saying that there is nothing inherently new in the technology Apple wants to offer.

Minnesota And Safelite Reach Partial Truce

Friday, October 9th, 2015

auto insurance repair trustSafelite Solutions and Safelite Group recently withdrew their motion for a preliminary injunction against a state statute that specifically kept Safelite from conducting business in Minnesota without a hearing.

The lawsuit stems from a settlement reached between the Minnesota Department of Commerce and Auto Club Group that imposed a penalty of $150,000 on the group and forced them to stop using Safelite Solutions or any subsidiary of Safelite Group to administer Minnesota auto glass claims. Safelite filed for a preliminary injunction because they were not notified in time to argue the finding. As a result, they could no longer do business in Minnesota.

They have now reached a partial agreement with the state’s insurance commissioner. However, they reserve the right to refile for the injunction if they are not satisfied with how the settlement is conducted. The Minnesota Supreme Court did refuse to review the original decision, so Safelite took their case to the U.S. District Court.

For the time being, Safelite has a partial truce with the state and will be monitoring how well the settlement deal works for the company. If they deem it necessary, the company will resume its legal action against the state in order to keep their business interests in Minnesota healthy.

Bizarre Road Mishap Causes Auto Glass Breakage

Monday, August 10th, 2015

Strange things can happen on road when you least expect it. This is what a woman in Kerang found out when she herself was involved in bizarre circumstances. She was driving along the Kerang-Koondrook Road when a hard object suddenly slammed against her windshield. It was a stretch that allowed a speed limit of 100km per hour so the impact was pretty hard. The windshield broke to pieces hurting the driver in the process.

The freak accident is still a puzzle to everyone from the woman to the police officers who investigated the scene. The object that caused injuries turned out to be a farmer’s rake. There is no clear conclusion as to how it got on the road at that exact moment. Some theories suggest that it may have fallen off from another vehicle onto the windshield. Another theory says that the rake has been lying on the road when it was flicked up after the car passed by.

Pinpointing the exact cause of the accident would have made insurance claims easier to process. Fortunately, the broken auto glass only caused minor cuts. The 50-year old woman was able to leave the hospital right away after receiving medical treatment.

Latest Major Causes Of Insured Auto Glass Damage

Friday, August 7th, 2015

windshield damageA top auto insurance company recently reported nationwide increases in windshield and other auto glass claims. A spokesman for the insurer highlighted severe weather, construction work and road conditions as frequent causes of damage. These problems have become especially common in two eastern states.

In 2014, Pennsylvania’s annual claims went up by almost 7,200. The insurance company has already received about 20,000 requests for glass-related compensation during 2015. Large hail stones are one major cause of these claims. Over 12,500 cars in the Keystone State suffered hail damage during 2014. This statistic exceeded the previous year’s figure by nearly 12 times.

Road work, hailstorms and potholes often contribute to windshield damage in nearby Virginia. Construction vehicles frequently carry gravel and stones on highways in the Richmond area. These rocks sometimes fall and strike other vehicles. Hail is breaking automotive windows at increasing rates in Virginia as well. Related insurance claims more than quadrupled during 2014.

Motorists can use these facts to adjust their driving habits in ways that prevent auto glass breakage. It makes sense to remain a considerable distance behind dump trucks when possible. Drivers should also slow down on roads with potholes and attempt to park their vehicles inside garages when forecasters predict hail.

A Quick Look At Farmers Insurance Auto Coverage Products

Wednesday, August 5th, 2015

Insurance PolicyIf you are planning or have bought a car, consider purchasing coverage from Farmers Insurance. It is one of the leading insurers in the US with more than 50,000 agents. In addition, Farmers is a reputable company that has been in operation since 1928. Here is a quick look at Farmers Insurance auto coverage products:

Coverage Options

This insurer offers a wide range of auto coverage products. To start with, you can purchase coverage for your regular car, van, or truck. If you have an off-road vehicle such as a dune buggy or dirt bike, you can get coverage for it as well. For avid campers with motorhomes and RVs, Farmers has this base covered too. You can also get coverage for a travel trailer or fifth wheel. In general, you can get coverage for your vehicle whether you use it recreationally or to commute to work.

Why Choose Farmers Insurance?

Unlike some insurers, Farmers allows customization of auto insurance policies. This is because some consumers have unique insurance needs that a one-size-fits-all policy cannot address adequately. As such, you can tailor your auto policy to be applicable in the event your car is damaged in an at-fault accident. Another benefit is access to Farmers’ Circle of Dependability program, which allows one to choose a reliable and trusted auto repair facility. A third benefit is eligibility for numerous discounts including multi-car, alternative fuel, teen driver, antitheft and loyalty discounts.

Farmers also offers windshield replacement and auto glass repair insurance coverage on comprehensive policies with a low-cost premium in  many states including Arizona. This means that you can buy coverage just for your cars windshield, door glass, quarter glass, back glass for a low monthly payments and pay no deductible at time of service. Plus, it is considered a no-fault claim on your policy, therefore it will not cause your insurance rate to rise.

Driving without auto insurance is a criminal offense that could land you in jail. To avoid such an outcome, purchase coverage for your car from like Farmers Insurance. You will enjoy benefits like numerous discounts and access to trustworthy auto repair facilities. If you live in a “deductible free” state like Arizona that offers auto glass coverage at a low-cost premium you should definitely consider adding it.