Auto Insurance Question

[AJ12345]

Hi All! I'm filing a comprehensive claim (no fault claim) with ym insurance for a cracked windshield. I could pay for the repair out of pocket or file the claim (they will be waiving my deductible) Here's my question. They're telling me a compehensive claim won't affect my rates. Is this true?

 

[FireDancer]

I had to do a comprehensive claim for vandalism (car got keyed) and it had no effect on my rates.

You may want to confirm what they told you by reading the policy but it is my understanding.

 

[MELISAZACK]

usually there is a threshold you have to meet before your rates increase. every company is diffrent but most are around $1300-1800.00
and a crack in the windshield is very cheap at least around here claims are for under 150.00 that we see.

 

[DVC-Don]

Comprehensive claims do not count towards a surcharge. They do count toward claim freqency. No-Fault only comes into play for injury claims.

 

[AJ12345]

thanks everyone!!! just filed my claim!!! as of saturday i'll be all set to hit the road to Disney! woo-hoo!!!

 

[golfgal]

usually there is a threshold you have to meet before your rates increase. every company is diffrent but most are around $1300-1800.00
and a crack in the windshield is very cheap at least around here claims are for under 150.00 that we see.

That threshold applies for COLLISION claims and it is determined by the state, not the individual companies. Comprehensive claims are considered claims beyond your control-hail, deer, broken windshields and therefore do not increase your rates. Glass coverage is usually even separate from the "comprehensive" claims and don't generally effect a no-claim discount where as hail or hitting a deer would.