I'm wondering how to present this to my insurance company. I'd heard insurance companies will pay for cracked windshields, and it won't affect my insurance. But I just figured they must have 10 different ways to deny the claim though.

I was following a truck on the highway, he was waaaay ahead of me. 50 yards maybe? Suddenly, SMACK! I took the next exit to see what it was. Didn't see anything. The next day I saw my windshield was cracked up by the mirror; I had the visor down, that's why I didn't see it.

What's the best way for me to handle this? And if the insurance company doesn't cover this, how can I replace the window? I"ll try to get one from an auto parts place.

Thanks,

Jeff 1991 300d

My policy fixes chips for free, but there my deductible applies if the window needs to be replaced.

I would not recommend trying to install the window yourself. The labor for the job isn't really that high, and they take responsibility if they break the new one on its way in.

will they fix it i you have super teenager liability insurance? Thats what I have

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1981 300SD 512k OM603

Bull schisse. If they have to pay they will get you back for it eventually.

If you can avoid EVER contacting the insurance company for ANYTHING other than paying your bill you'll be better off in the long run. Pay to fix the windshield yourself.

Car insurance is one of the BIGGEST scams on the planet. The amount of money people pay for protection against something that might happen would well cover anything that might ever happen if they set that money aside on their own. It is government backed mafia "protection" with a corporate face.

That's why Warren Buffett invests in them so heavily! They're constant money makers, and you have to have insurance, by LAW.

jeff

the comprehensive is a scam for sure, but the liability is most definitely required. a friend of mine lost their home because they had their insurance lapse and had an accident. even a minor accident with medical claims will bankrupt most drivers if they don't have insurance.
best insurance is uber defensive driving. but you can't prevent everything.
that's why liability is required insurance. an umbrella policy is a good idea as well... hate to be found at fault in an accident that takes out a school bus or slams into some pedestrians or something...$$$$$

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John HAUL AWAY, OR CRUSHED CARS!!! HELP ME keep the cars out of the crusher! A/C Thread
"as I ride with my a/c on... I have fond memories of sweaty oily saturdays and spewing R12 into the air. THANKS for all you do!

My drivers:
1987 190D 2.5Turbo
1987 190D 2.5Turbo
1987 190D 2.5-5SPEED!!!

1987 300TD
1987 300TD
1994GMC 2500 6.5Turbo truck... I had to put the ladder somewhere!

These are factually incorrect statements.





If you have full glass coverage on the vehicle..........there is nothing to present other than the fact that the glass is cracked. They always cover it.

No, you won't suffer any penalties for submitting a single claim. The problems come into play when you submit multiple claims within a specific time period. In NY, it's three claims in 18 months. The amount of the claim is not relevant. You could submit two claims for glass and one for a tow (if you have towing coverage) and they'll drop you if the claims were within 18 months.

Know the game......and use it. I get a new windshield every three years or so. In that period of time, I sent them over $7K. Do you think they are concerned about a $1000. payback to me?

Just call and ask if it's covered, it's either covered or it isn't; there's no magic involved. Personally, I just pay to replace mine every few years when it's pitted anyway. The place I buy windshield from will fix any pits for the first year themselves, and the W123 windshields only cost about $250 installed.

I had a similar problem with a car a few years ago and State Farm paid to replace the windshield with no hassles and no deductible. I believe it was handled under my comprehensive coverage. Won't hurt to call your agent and ask before filing a claim.

Jeremy

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"Buster" in the '95

Our all-Diesel family
1996 E300D (W210) . .338,000 miles Wife's car
2005 E320 CDI . . 113,000 miles My car
Santa Rosa population 176,762 (2022)
Total. . . . . . . . . . . . 627,762
"Oh lord won't you buy me a Mercedes Benz."
-- Janis Joplin, October 1, 1970

If you are in Florida and have comprehensive coverage they will replace the windshield.I dont know if this applies to all companys but Geico said if the crack/s could be covered by a dollar bill they want to have it repaired with epoxy! I drove it a while until the crack got longer than a dollar bill.YMMV My $.02 Don

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Red Green "This is only temporary,Unless it works!"

97 E300D 157000 miles
87 300TD ?141k? miles

If you have comprehensive coverage, it is covered by your insurance. (Less your comprehensive deductible, if any)

You select the glass shop, many now do it in your driveway and come to you as there always lots of competition for this business.

If it is a Mercedes Benz, don't have them put in cheap glass.

If they say XYG glass, say no. It is cheap Chinese glass, XYG is Xingyi Glass Company of Shanghai. Do you want problems with fogging or optical distortion, if not stay away from the cheap. An XYG windshield costs $384 installed areound here, before the deductible. By comparison, a SIGLA windshield would cost you $1500 if you pay yourself for it.

For a Mercedes Benz, if it is a insurance paid claim, then specify SIGLA, SEKURIT or PPG. It is your right.

Your car deserves the best.

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1991 560 SEC AMG, 199k <---- 300 hp 10:1 ECE euro HV ...

1995 E 420, 170k "The Red Plum" (sold)

2015 BMW 535i xdrive awd Stage 1 DINAN, 6k, <----364 hp

1967 Mercury Cougar, 49k

2013 Jaguar XF, 20k <----340 hp Supercharged, All Wheel Drive (sold)

I called the insurance company, they said it's included in my insurance, a zero deductible, so I'm getting a brand new, Mercedes windshield installed, AND they're coming to me to do it. Can't beat that!

Jeff

My parents came to the US in 1965 and bought their first car in 1967. Here's dad's conversation with the insurance agent:

- So basically I'm betting you that I will NOT have an accident this year and you're saying I WILL have an accident.
- You can look at it that way.
- But I'm the one putting up the money. So do I "WIN" anything ? Do I get my money back at the end of tyhe year if I DON'T have an accident ?
- No sir. It does not work that way.
- But I need insurance to drive legally..
- Yes.
- So it's legalized extortion......

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Sharing my partner's 2012 Forte 5dr SX til I find my next 123 or 126..
-
Do I miss being a service advisor ???

When I lived in MO, insurance was not mandatory. The law calls for "financial responsibility" which is different. You could post a $50K bond per car and drive without any insurance policy. If you don't get in an accident, you keep your $50K. I don't know about other states.

Thus, at least in MO, it is not extortion. But if you there is no way for you to pay for damage to other peoples' cars and bodies, you shouldn't be driving.

What I don't like is the pitiful level of mandatory coverage required. Bodily injury claims can easily surpass $50K. If you have the minimum level of coverage and hit me, causing injury, chances are good that I will have to tap my own UM/UIM coverage.