Auto Claim Guidance – Shattered Window
Last week, while clearing snow off my car, I discovered that my rear quarter window had been shattered. There’s a baseball-sized hole in the center with shattered glass scattered around it. This was the first time I had driven my car after multiple snowstorms the week before. Since I work from home, I don’t use my car often.
I’ve been trying to figure out how this happened, and I suspect it might have been the snow removal team. They used snow blowers in the area, and I could hear the salt and possibly rocks hitting my garage door as they worked. I haven’t filed a claim yet because I’ve been preoccupied with my sick dog, but I intended to do so today. I’d have to cover a $500 deductible through Progressive.
Should I reach out to my landlord? Should I call my insurance to explain what happened? Is it too late to take action? I’m feeling a bit lost in this situation, so I would appreciate any advice! Thank you!
I’m sorry to hear about your situation; that sounds really frustrating. Here are a few steps you can take:
Document Everything: Take clear photos of the damage to the window, as well as any relevant details like where your car was parked and the snow clearing activities happening nearby. This documentation will be helpful for your claim and if you need to discuss the matter with your landlord or insurance.
Contact Your Insurer: It’s a good idea to call Progressive and explain your situation. Let them know about the possible cause of the damage (the snow clearing crew) and ask them how to proceed with filing a claim. They can advise you on the necessary steps and whether your deductible will apply.
Speak to Your Landlord: Since the snow clearing team was likely hired by your landlord, it might be worth bringing the situation to their attention. They may be liable for any damage caused during the clearing process, especially if they were negligent in their actions. Make sure to provide them with any evidence you’ve gathered.
Check Your Lease/Insurance Policy: Review your lease agreement for any clauses related to property damage and responsibilities. Also, look through your insurance policy to see if there are any specifics that might apply to this situation.
Consider Waiting on Repairs: If you plan to file a claim, it might be wise to wait until your insurer has processed everything before you repair the window. This way, you have a clear record for any claims related to the damage.
Don’t hesitate to ask further questions or for help as you navigate this process. Good luck!