Chips Away Windshield Repair
Windshield Repair Recreational Vehicles, Mobile RV, Motorhome,Truck Windshield Repair. Windshield Rock Chip and Crack Repair, RV Links
Consumer tip.
Most insurance companies waive your deductible so you may not have to pay anything out of pocket.
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713-822-4429 713-822-1526
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Did you know,
windshield repair and replacement falls under the comprehensive portion
of your insurance rather than the collision portion.
A cracked windshield does not reflect your driving ability and
has no bearing on your level of risk to the insurance company.
Therefore the repair of your windshield will normally not influence your
insurance premiums.
Q: What types of Auto Glass Damage are covered by Insurance?
A: Auto glass damages from all causes are covered by insurance. Auto glass damage resulting from road hazards and vandalism is covered by the comprehensive section of your insurance, while damage caused by moving vehicle accidents is covered by the collision section. Insurance covers all the glass in your car, not just the windshield.
Q: If I make an auto glass claim on my comprehensive coverage will my rates increase?
A: While only your insurer can answer this question for you, we have found that most insurers do not or cannot adjust an individual policy holder's rates because of comprehensive glass claims.
Q: How do I begin the process of making an auto glass claim?
A: The procedure varies by insurer. You may first call your agent, or call us
and we will handle the process.
Q: Does the insurance company pay Chips Away
or do I pay you and submit your bill to my insurer?
A: The insurer normally pays Chips Away . This saves you from having
to pay us and wait for reimbursement .
Q: Should I call my insurer or Chips Away first?
A: It is your choice. If you call Chips Away first, we will make your appointment, verify your insurance, and contact your insurer with one call. If you call your insurer first, your insurer will provide you with a process to adjust your claim. If you want Chips Away to perform your services, it will be necessary for to firmly request Chips Away Windshield Repair.
Q: Which insurers waive comprehensive deductible when a windshield is repaired rather than replaced?
A: Most insurers have programs to waive comprehensive deductibles for
windshield repair.
Q: Is Chips Away a participating vendor with all insurers?
A: Yes. Most insurers use third party "networks" or "brokers" to adjust auto glass claims. Chips Away Windshield Repair is a participant in good standing with every network and all insurers. We are actually a "preferred shop" with GMAC and many other companies. However, since most of the networks are owned by competing auto glass companies, it is often necessary for the insured to firmly request Chips Away Windshield Repair.
Remember... when you call to have your windshield repaired... You have Rights!
When you call in to get your windshield repaired, the person on the other end of the line may not be a representative of your insurance company!
The Choice Is Yours...
Insurance companies often have a special name and phone number for their auto glass claims program but seldom do they mention that the claim is actually being handled by an Auto Glass Network. Most of the networks are telephone call centers owned and operated by large retail auto glass replacement companies.
When you call the 800 number for your claims program, the glass network's computer brings up a screen with the name of the glass claims program for your specific insurance company. They know before they answer the phone which insurance company covers the caller.
When they answer the phone, they identify themselves with the name of the insurance company of the claims program, even though the person answering the phone is an employee of the glass shop's network.
The temptation to steer jobs is so widespread that there are presently lawsuits throughout the country seeking to bar this kind of coercion.
The way I see it is this...If these networks use tricks to steer you to one of their shops, what makes you think the tricks stop there?
The auto glass network may tell you that:
...the glass shop you request is not on their list
...that if you don't use a shop on their list there may be no warranty
...that you may have to pay money out-of-pocket if you don't use their preferred shops.
If you hear this, JUST SAY NO! Because what they're doing is steering you to one of their shops by pretending to be your insurance company.
When a network contacts us to "work out a deal" the first and only question they ask is "Will you do the job for $....." and then offer a ridiculously low price.
PROTECT YOURSELF... call us first, because who you call is who you'll get.
Windshield repair is covered by the comprehensive portion of an individual's insurance policy. All major insurance companies now encourage repair. Cost, safety, convenience and your satisfaction are among the reasons insurers suggest repair.
Vehicles today have windshields that are very thin, and very expensive. So they are easily cracked or chipped by debris that rolls up modern sloping auto hoods.
So expensive that insurers now pressure claim agents to push windshield repair and not replacement. To the point that they are are now willing to pay the deductibles the owners normally would pay.
Most insurance companies will waive the $100, $250 or $500 deductible and pay for your repair. They do this to help avoid costly replacement of your windshield should the damaged area spread to the point where repair is not recommended.
Ask your insurance agent about repair instead of replacement... or better yet -- let us ask them for you... chances are your repair won't cost you a penny and it won't cause your rates to go up.
