Went outside this morning and found a huge “S” shaped crack across the whole windshield. No indication of a rock or something else cracking it. Called insurance company to replace windshield since I am paying a little extra each months just for that.
Insurance told me that I have to pay $500 deductible to the well-known nationwide auto glass place. OK, sign me up… Not much choice.
Later talked to the auto glass company, scheduling a date for the at-home work. While on hold, I logged on to their website where they have this estimating calculator for replacement windshields. Entered my values and it popped up with a total of $393 and change, including tax. Wow, I was surprised.
When the rep returned to the phone I confirmed the total with her and questioned why I would have to pay a $500 deductible if I go through my insurance company when the same repair is only $395. She didn’t really have an answer for that other than the company would charge the insurance a different rate and my deductible is determined by the policy I have. yah yah yah, I get it. I confirmed that the service would be the same if I do not go through my insurance company and instead work directly with the glass company. Cancelled my claim with the insurance and now I am saving over $100.
The moral of this story is…sometimes it’s cheaper not to get the insurance company involved.