We have had Geico for a while now and we finally needed to replace the windshield on the Mazda5. Well we have a $500 comp deductible as I'm sure many people do, to save money regardless of insurance company. Geico however, doesn't have the typical $100 ded for glass specifically, so now we're stuck with paying $500 towards a windshield. Thinking its time to switch back to Farmers.... just thought I'd give ya'll a heads up.
Beware of Geico!!
- Thread starter raspykart
- Start date
- :
- mazda5 2006, Focus ST
It all depends on what state your in, 3 yrs ago my windshield was crack and Geico replace and pay for it. No money out of pocket for me, sorry to hear that about your windshield. Good luck!
i don't think that's geico's fault at all, sounds more like you should have read what you were buying before buying it. they probably offer separate glass coverage that you chose not to buy (whether you realized it or not). i also don't know that i would call a $100 glass deductible "typical" either, glass is normally a separate coverage all together
jred321 said:
ya I agree that I made an assumption... I asked them about getting separate glass coverage... it doesn't exist, thats why I'm a bit torn off about em. Also I found Progessive to be the same way as Geico. I've also beend doing a little searching and it sounds like Geico is not the company to have in the case of an accident... poor parts used for repair, they also stated if its too much we'll have to pay more than our deductible.... dumbasses should slow the roll on commercials so as to provide better service.
Mazda_Tech
Member
why would you go through insurance for a windshield anyway, they are cheap enough to just buy it yourself.
Boosted03MSP
Member
- :
- 2003 Mazdaspeed Protege Black Mica #928
Yeah i just had my MSP windshield replaced last month and it was 150$ locally. I would leave insurance out of it.
indeed. lots of people switch off geico after they have a claim with them because of the way they treat their customers. depending on your state insurers may be required to use OEM parts but most do not so you're at the liberty of your insurer in many respects (you can always fight it but it's not always worth the hassle). you should never have to pay more than your deductible unless the damage passes your stated coverages for the policy, if they ever try that contact a lawyer because that's blatantly illegalraspykart said:
Maxx Mazda
Contributor
- :
- Stock P5
Why would you use insurance to get a new windshield?
- :
- 2002 22A P5 and 2007 TR MS3
I've had Geico for 6 years, two accidents..neither my fault and they treated me easy as hell....as far as glass and lens replacement, I have that covered under "road debris" or something, and it's no deductible...I really couldn't be much happier...They always had my car fixed in a couple days and never questioned the accidents or the need to replace parts I thought were damaged.
1st Accident....70mph and hit very large wolf dog....$2,200 damage to passenger front end....cost me $500.00
2nd Accident....Hit and Run in my apartment parking lot.....$6,200 damage to driver rear quarter panel, door, tire...and some other stuff...cost me NADA...
So I can't complain...
1st Accident....70mph and hit very large wolf dog....$2,200 damage to passenger front end....cost me $500.00
2nd Accident....Hit and Run in my apartment parking lot.....$6,200 damage to driver rear quarter panel, door, tire...and some other stuff...cost me NADA...
So I can't complain...
That happened to me like a year ago with my VW golf but i didn't call them to replace my windshield because it'll cost what u said. But i called a local company that actually install the windshield whenever you are, at home, work... and it cost around $225. So no 500 deductible or any of that.
Boosted03MSP said:
we're talking about a mazda5 and not a protege that most auto glass place have replacement windshield for. I had mine replaced withing a year of the mazda5's release and most auto glass place didn't even know that a mazda5 existed, try finding a windshield for it was even harder. When they did it was like $400.
SuperStretch18
Member
- :
- '07 CX-7 Sport, Black on Black; '04 Mazda3s
Not sure if it is just Allstate or just Florida, but I will never pay for my own windshield. During Hurricane Wilma about a year ago, I got a small crack in my windshield from some random flying debris. Small crack + 1 week's driving = giant crack in windshield. Allstate covered the full replacement; no deductible, no increase in premiums.Maxx Mazda said:
depends on state laws, insurer, etc... as to whether they cover it, what type of claim it counts as (able to increase premium or not), deductible and if so amount, all that fun stuff. in CT glass is an optional coverage insurers can provide and they can write it how they want pretty much. in others it falls in the same category as normal accidents so you're subject to whatever deductible you have set. big variances, mostly at the state law levels
Florida insurance law mandates that the deductible does not apply to glass breakage when the insured vehicle has comprehensive coverage in place.
Why would you turn in a windshield claim? Why not? Glass breakage is a covered peril on your policy if you have comprehensive coverage. So depending on your deductible it makes sense to file a claim.
Claims service or lack thereoff is what really distinguishes on insurer from the next IMO. But since an insurance policy is often looked to as a commodity, its price sensitive and people want a deal.
Why would you turn in a windshield claim? Why not? Glass breakage is a covered peril on your policy if you have comprehensive coverage. So depending on your deductible it makes sense to file a claim.
Claims service or lack thereoff is what really distinguishes on insurer from the next IMO. But since an insurance policy is often looked to as a commodity, its price sensitive and people want a deal.
paging_drburgos
Member
- :
- 2017 Mazda CX5 GT - Premium
i work for an insurance company and can tell you that progressive and geico (direct competitors) dont do "warm and fuzzy". "warm and fuzzy" costs a little extra. All insurance companies are different which is why their prices vary the way they do. Geico may have cost less than your previous insurance company but now you see why.
And yeah local glass places will only charge you in the $200 range to replace your windshield. So find out which costs less, your insurance or the guys in the phone book*.
Phone Book - A paper brick sometimes used for door stops, dumbells, and on the rare occasion if not already in the recycle bin to look up a phone number.
And yeah local glass places will only charge you in the $200 range to replace your windshield. So find out which costs less, your insurance or the guys in the phone book*.
Phone Book - A paper brick sometimes used for door stops, dumbells, and on the rare occasion if not already in the recycle bin to look up a phone number.
