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The Insurance Issue

 

Fact: Windshield glass damage, even when your insurance company waives the deductible, is covered under the Comprehensive portion of your insurance policy. Any claim filed against your insurance policy can affect your future insurance rates.

Fact: Whether you have a deductible or no out-of-pocket expenses for a windshield glass claim, your actual claim cost will be reported to a national insurance claim reporting service called C.L.U.E. Windshield glass replacement can range from $200 to $2,000. Repair charges can be $50 to $85 per repair.

Fact: Whenever you change insurance companies or renew a policy, insurance companies use the C.L.U.E. reporting system to review every claim you have filed with any insurance company during the last 10-year period.

Fact: C.L.U.E. information affects the rate (price) the insurance company charges you to insure your vehicle. Comprehensive claim information, reported to C.L.U.E., is used to determine whether you qualify for the best rates or if you are considered a higher risk, which means higher insurance costs.

Fact: In many cases, the actual cost of the claim isn't the issue, but the fact that you filed a claim at all is what affects the price of your insurance. Insurance companies usually have 3 to 5 rating tiers that determine the price you pay. Your age, claim, credit history, violation history (tickets), type of vehicle and county residence are the leading cost indicators. These indicators determine whether you qualify for the best rates or if you are considered a higher risk, which means higher insurance costs.

Fact: More windshield claims = higher rating tier = higher insurance costs to you!

 

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