ReverendCharles
on the road
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Joined: 06/11/2011
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My insurance carrier asked me what I want to insure my tt for, I told them that I paid $8000.00 for a repairable with clear title. There response was to insure it for high retail at $26000.00 and that is what they will pay out in a total loss. Premium $75.00 per year, $50.00 comprehensive and $500.00 collision. Read my first post on this topic it says SF?, I had a gut feeling. You still should have window coverage even with this company. Flow on Progressive tells it how it is - NAME YOUR PRICE. Try to determine if you have an accident will it be the front or back of the motor home, next call SF and ask if you can save money .if you only insure that half! They may lower your rate 50%. A lot of items are included in most policies and by staying with one company for 20 years is not always the best idea. All policies change every year and you should shop them, this is your agents job. When you do have an at fault claim they will care less about your loyalty. I know a person who was with the same carrier for 30+ years and his son had a minor fender bender $2500.00 (first claim) and the carrier refused to renew his policy the next year. Charles
* This post was
edited 01/30/12 01:43pm by ReverendCharles *
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JcoFS3500
East Central OK
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Joined: 10/26/2008
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Knowing the cost of RV windshields, we specified $0 deductible glass coverage when we got our Progressive policy. $250 deductible on other comprehensive. Note to self - Probably ought to look at upping that deductible to see if we can save a few more bucks.
'93 Jayco FS3500 TT behind a '92 Dodge D250 powered by 5.9L Cummins
'94 Vogue Prima Vista powered by 8.3L Cummins w/ 6spd Allison
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Alan_Hepburn
San Jose, Ca, USA
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Joined: 05/02/2003
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Jarlaxle wrote:Many states mandate no deductible for glass coverage...I suspect Cali is one of them.
When I had a windshield replaced on our Bounder almost 4 years ago our insurance adjuster said that California did NOT have a no-deductible provision for windshield repair - it cost me the $500 deductible for the driver's side windshield. But I have no idea how things are done down in Cali (the city in Colombia)...
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Alan & Sandy Hepburn driving a 2007 Fleetwood Bounder 35E on a Workhorse chassis - Charter Member: International Brotherhood of Weight Police - Proud to be a Blue Star Family!
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ReverendCharles
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JcoFS3500 wrote:Knowing the cost of RV windshields, we specified $0 deductible glass coverage when we got our Progressive policy. $250 deductible on other comprehensive. Note to self - Probably ought to look at upping that deductible to see if we can save a few more bucks.
Most glass companies will waive a $50 - $100 deductible depending on their profit margin.
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ReverendCharles
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Alan_Hepburn wrote:Jarlaxle wrote:Many states mandate no deductible for glass coverage...I suspect Cali is one of them.
When I had a windshield replaced on our Bounder almost 4 years ago our insurance adjuster said that California did NOT have a no-deductible provision for windshield repair - it cost me the $500 deductible for the driver's side windshield. But I have no idea how things are done down in Cali (the city in Colombia)...
Laws change every year.
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FIRE UP
Ramona, CA. USA
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Joined: 03/08/2004
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Well Gang,
I'll report what I already knew. Out SF insurance has a $1000.00 deductible on EVERYTHING! So, after the wife got off the phone with the agent, we had a list of about 3 companies that might, just might give us a break on the replacement of that windshield. In the mean time, I'd made a call to "Crack repair Doctor" for windshields. Based on one of you folks replies, I made an appointment to have this "crack" repaired.
Well, long story short, he stop-drilled the end of the crack, dremeled out the original chip, and dremeled out the entire crack. He then placed three of the suction units on it in a row, the crack at this was 13.5" long. Well, he worked his magic, added all the components and, as of now, that crack is almost all but GONE! The original chip only has a very tiny dot as evidence it was ever there.
I'm incredibly satisfied with his work. It cost us $105.00 for the job. It was up $10.00 because he had to travel from down town San Diego to our home in Ramona (about 32 miles) to do the job and back again. That's cheaper than it would be in diesel fuel to bring it to him just about and, way easier.
Oh, I almost forgot, I called RV Glass Solutions, one of the few suppliers of RV windshields in the U.S. and, they quoted me $11.00 shy of my guess for the replacement, $989.00, installed. I told him that as we were speaking on the phone, the crack was being repaired so, we'll be doing the replacement if, this crack, which, is warranted for life by the repair man to not travel. So, at this time, it's way less visible than it was, I saved $900.00 and we're both happy. I might just order up a TPMS for the coach now.
Thanks again for all your helpful comments. We think that we might just lower the deductible for comprehensive in the near future, just in case this happens again.
Scott
Scott and Karla
San Diego Fire Department RETIRED
2004 Itasca Horizon, 36GD Slate Blue 330 CAT
2011 White Honda CRV EX-L,4WD w/NAV Toad
2008 Caliente Red LVL II GL 1800 Goldwing
KI60ND
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tahiti16
Camarillo, CA
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Joined: 06/23/2008
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Dale the free repair I have seen starting to show up in more policies. I assume that the company figures cheaper to pay for a repair now and then rather than a whole windshield.
Ray, Cheryl, Cory & of course Miss Molly the four-legged child
2006 Dolphin 36' F53 V10 5 speed auto 2 slides 7.5 KW genset
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tahiti16
Camarillo, CA
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Great news Scott, glad the glass could be saved.
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nor-easter
On The Road Again
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We are Florida Residents and the windsheilds are replaced, no deductible.
We have found that one should not follow close behind trucks and trailers and RV's that toss stuff into the air for one to run into.
One of the reasons we do not like to travel on interstates. To much speed and nutty drivers.
Capt. Chet
03 Journey DL 39.5 w/330 CAT and bells & whistles!!!!
Toad is a 04 Malibu
Full timing
Out Door World Elite/ Thousand Trails/ Pass Port America
FMCA f10045d
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Diplomat Don
Moorpark, Ca
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FIRE UP....Do a double check with your insurance....I have AAA and had a $1000.00 deductible. The first time I got a rock chip, I called to see if I could get windshield coverage for the future. They changed my comprehensive ONLY to $100.00 deductible for about $12.00 more a year. I didn't mind paying that since they were almost have the price of Progressive when they started raising everyones rates a few years ago. Old FLow can kiss my &%$.
Don & Mary 
2005 Monaco Diplomat 36SKT
400 Cummins 
2010 Nissan Frontier CrewCab 4WD
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