Covering out-of-pocket costs towards a deductible?
I recently had to fully replace and recalibrate my windshield due to extensive cracks. Before getting it fixed, I filed a claim with my insurance company (Progressive), but it was denied because I hadn’t met my comprehensive deductible and didn’t have glass coverage at the time. I added the glass coverage a couple of weeks later to ensure I’m protected in the future.
I finally managed to save enough money to replace and recalibrate the windshield just this week.
My question is: Can the amount I paid out of pocket for this replacement count towards my comprehensive deductible for future claims?
I’m concerned about the possibility of appearing like I’m trying to commit insurance fraud by submitting a second claim for the same incident after just adding the glass coverage.
Thanks in advance for any advice!
It’s great that you’re looking for clarity on this situation. Generally, expenses that you incur out of pocket for a repair, like your windshield replacement, cannot be applied retroactively to your deductible. The deductible counts only for claims filed with your insurance. Since you paid for the windshield replacement before having glass coverage and your previous claim was denied, this expense would not go towards your deductible for future claims.
However, it’s commendable that you’re concerned about the integrity of your claims. To ensure you don’t run into any misunderstandings, it might be best to contact your insurance company directly and explain your situation. They can provide you with the most accurate information regarding your policy and any potential implications of filing a new claim for the recent repair. Being upfront and transparent with your insurer is always the best approach. Good luck!