I have the comprehensive option on my insurance and am using it to replace my car's windshield. There'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.
2007-02-09 08:28:30 · 7 answers · asked by ready_to_rumble 1 in Cars & Transportation ➔ Insurance & Registration
These people really need to think about hiring staff who can communicate in English. The guy at Morrey, whom I could barely understand, told me that I have to pay $200 and even showed me a bill stating that I have to pay ~600. I just called up the company and asked another person about the bill; they said I pay $200!... Thanks everyone for lightning responses.
2007-02-09 09:07:00 · update #1
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]
2007-02-09 08:34:28 · answer #1 · answered by mclone2001a 3 · 0⤊ 0⤋
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.
2007-02-09 13:23:16 · answer #2 · answered by Fred C 7 · 0⤊ 0⤋
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're in Canada).
Yes, you pay the first $200 and the insurance pays the rest.
2007-02-09 10:07:17 · answer #3 · answered by oklatom 7 · 0⤊ 0⤋
That'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'd ask the insurance company to investigate them. They sound like crooks.
2007-02-09 08:34:32 · answer #4 · answered by Anonymous · 0⤊ 0⤋
They are charging too much. As far as your acceptance goes - they couldn't care less.
Is it possible that the glass shop charges you too much? If "customary" 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.
2007-02-13 00:39:35 · answer #5 · answered by Anonymous · 0⤊ 0⤋
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.
2007-02-09 08:34:39 · answer #6 · answered by united9198 7 · 1⤊ 0⤋
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.
2007-02-09 10:48:38 · answer #7 · answered by silkshop 2 · 0⤊ 0⤋