Using out-of-pocket expenses towards a deductible?
I recently had to replace and recalibrate my windshield due to some severe cracks that were starting to spread. Before getting it fixed, I submitted a claim to my insurance provider (Progressive). Unfortunately, my claim was denied because I hadn’t yet met my comprehensive deductible and I didn’t have glass coverage at that time. To prevent future issues, I added glass coverage a couple of weeks after my claim was denied.
I finally saved enough money to have the windshield replaced and recalibrated just this week.
My question is: Can the amount I paid out of my pocket for this replacement be applied towards my comprehensive deductible for any future claims?
I’m concerned about the appearance of trying to commit insurance fraud by submitting a second claim for the same issue after recently adding glass coverage.
I appreciate any advice you can offer!
It’s understandable to have concerns about how your recent windshield replacement relates to your insurance policy and potential claims. Generally, out-of-pocket expenses for repairs that were not covered under your previous policy will not count toward your deductible for future claims. Since your initial claim was denied and you added glass coverage after the fact, your recent out-of-pocket expense cannot be applied to your comprehensive deductible for future incidents.
Insurance fraud typically involves intentionally misrepresenting facts or providing false information to your insurance company. As long as you are honest about your claim, and you are not trying to get reimbursed for something that was previously denied, you should be fine.
If you have any doubts, it’s always a good idea to contact your insurance company directly and explain the situation. They can provide guidance and clarify their policies regarding your comprehensive deductible and coverage going forward. Transparency is key when dealing with insurance claims, so make sure to provide all relevant information to avoid any misunderstandings.