I have the comprehensive option on my insurance and am using it to replace my car%26#039;s windshield. There%26#039;s apparently a $200 deductible when going through insurance company... I always thought that it means that I pay $200 and the rest will be paid by the insurer. Now the company changing the windshield (Morrey Auto Group) is telling me that I only get $200 off (e.g. if the actual bill is $800 I have to pay $600). Should I accept this or are they charging too much?
I live in Canada, BC and have my car insured with the monopoly ICBC.|||you pay 200 and they pay the rest. what car is it..my husband just got a windshield in his S10 for 130 dollars [american]|||That%26#039;s wrong. You are right. $200 deductible means that you pay the first $200 and the insurance company picks up the rest. $800 for a windshield replacement sounds awful high anyways. I%26#039;d ask the insurance company to investigate them. They sound like crooks.|||If you have $200 deductible, then you pay the first $200. If you have $200 in coverge, then you pay everything over $200. You need to find out what you have.
If the window is not totally wrecked, you might be able to do a window repair that is covered better by most insurance companies.|||To begin with, $800 is a ridiculous price for a windshield. $300 to $500 would be more like it. Go find a glass company that has some clue what they are doing and hires employees that speak English (or French since you%26#039;re in Canada).
Yes, you pay the first $200 and the insurance pays the rest.|||Forget the $200.00 deductible insurance. You can get most of glasses replace under $200.00. Only it is used glass. You can hardly tell if it is new or used.|||Those that think $800 is a ridiculous price for a windshield should look around. There are some cars with less expensive windshields, but there are also cars with much more expensive ones. Heck, my old Plymouth had an $875.00 windshield! And there were no used ones to be had.But, as for the deductible, you pay whatever deductible you selected and paid for on your policy, whether it be $500, $200, or whatever, and your insurance company pays the rest. It is a no-brainer claim for both the company and the glass shop. I replaced a window on my old Mercury wagon, which I was able to buy used, for $150 parts and labour, but I got lucky on that one, finding a wreck that came in the yard, where I knew the owner, the day before I went there. A new window had a price over $500.00.|||They are charging too much. As far as your acceptance goes - they couldn%26#039;t care less.
Is it possible that the glass shop charges you too much? If %26quot;customary%26quot; price listed in the repair manual is $400, and your deductible is $200, insurance will pay the remaining $200. If this is the case - go to another place or ask your insurance co if they have a shop in their network. Usually, these shops charge you the approved amount, and you get lifetime warranty. AND - in case something goes wrong - you can address the issue to the insurance company, and they DO have means to reason the shop.
