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comprehensive fraud? (need help from insurance people)

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    #1

    comprehensive fraud? (need help from insurance people)

    so i've had a busted windshield since the car was even in my brother's hands (over 3 years ago i believe). i only have liability +towing. if i were to add comprehensive then say my windshield got smashed, would i get away with it?
    90 ACCORD EX..<-- MR thread
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    #2
    probably.. but the additional cost to your premium and deductible vs the cost of a new windshield isn't worth it.. do the math..

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      #3
      pretty much not worth it. a windshield will usually be less than any deductible. BUT, i have heard of some companies that allow for 1 replacement windshield a year free of charge. dont know if there is any truth behind that though.

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        #4
        Many insurance companies offer that as an additional option. I have it. Geico and Progressive both offer free windshield replacement and as of yet I haven't noticed any change in my premiums.

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          #5
          How much is a windshield? About $200 installed, give or take? Your deductable will prolly be more than that so whats the point? Plus like dude said, increase in premiums and whatnot, ain't even worth the hassle (unless u have free windshield replacement).

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            #6
            One year, I went through 3 wind-shields. THAT was equal to the amount it would have cost me to pay for the col/comp insurance, over the year.

            IMO if your has parts on it that equal or exceed the blue book value of the car, get coll/comp.

            Its 150-200 bones for a new windshield.

            Insurance scams FTL, man. Not worth it.
            Project wagon! Much excite! 2018!

            That Sedan. Purchased '07-->Swap'd-->Tuck'd-->Wreck'd-->May '16

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              #7
              One of the other things I thought I'd mention - sometimes insurance companies will opt to schedule a vehicle inspection before authorizing any changes to your policy. I don't know if they'd do it in this case, but it's a possibility.

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