I discovered some windshield damage while my car was in for collision repairs. My back window has a long hairline crack, about 2 feet in length. The body shop noticed it while fixing side damage caused by another car that scraped my vehicle while it was parked, and that driver left the scene. My collision coverage is taking care of the repairs after I pay my deductible.
I’m uncertain whether the crack in my back windshield was caused by that incident or if it was pre-existing. I have a comprehensive insurance policy with a $0 deductible that would cover glass claims, but I’ve already paid my deductible for the collision claim.
Should I file just one claim for all the repairs under my collision coverage, or would it be worth it to submit a separate comprehensive claim for the glass damage? What are the benefits of each option?
When it comes to deciding between filing a single claim for all repairs or a second comprehensive claim specifically for the glass, there are a few factors to consider:
Claim Impact: If you file a second claim for the glass, it might impact your insurance premiums, depending on your insurer’s policies. Since you have a $0 deductible for comprehensive, filing a glass claim could be beneficial in terms of cost.
Documentation & Evidence: Assess whether there’s any evidence supporting the idea that the crack might be from the collision (e.g., videos, photos, or witness accounts). If the body shop can provide documentation that supports the connection between the accident and the crack, it may justify including it in your collision claim.
Repair Timing: Sometimes, it’s easier to have everything handled through one claim, especially if the repair shop can coordinate repairs for both types of damage. However, if you go through comprehensive, it might expedite fixing the glass if the body shop has a preferred vendor for that.
Insurance Policy Details: Check your insurance policy to see if there are any stipulations about multiple claims within a certain time. Some insurers have policies in place that might prevent initiating a second claim too soon after the first.
Time and Hassle: Filing a second claim can require additional time and paperwork. If you don’t want the hassle and feel confident the glass claim could go through smoothly under comprehensive, it may be worth it.
In summary, if you’re certain that the crack is unrelated to the recent collision, filing a comprehensive claim is likely a more straightforward and cost-effective option. However, if there’s any doubt about the origin of the crack, including it in your collision claim might be prudent since you’ve already paid a deductible. Ultimately, weigh both approaches against your insurance policy and consider reaching out to your insurer for clarification on how each option might affect your coverage.