| Author |
Message |
Ray Heindl
Guest
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| Posted: Sat Nov 06, 2004 3:30 am
Post subject: Re: I can't understand the reason why the homeowner did not |
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"Skitt" <skitt99@comcast.net> wrote:
| Quote: | Dylan Nicholson rakstija:
So as long as you could find a repair shop that would charge over
the "franchise" amount, you were set.
That's a common scam in these parts. Something similar works also
with "deductibles". The shop simply prepares an invoice to the
insurance company that is higher by the amount of the deductible,
so that when they receive payment from the company, it covers the
actual costs, and the insured does not pay anything. The practice
appears to be fairly bluntly advertised in some local flyers by
auto glass replacement shops, with statements like "If you have
insurance, it'll cost you nothing." In the phone book Yellow
Pages they are a bit more careful about how they put it.
|
My last insurance company covered windshield repair (not replacement)
with no deductible. Presumably they calculated that they would save in
the long run if people got small cracks repaired rather than waiting
for them to grow big enough to require replacement of the windshield.
Maybe this is what the fliers are alluding to.
--
Ray Heindl
(remove the Xs to reply to: xvortren-news@yaxhoo.com)
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don groves
Guest
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| Posted: Sat Nov 06, 2004 3:55 am
Post subject: Re: I can't understand the reason why the homeowner did not |
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In article <1hnno0levc9hpiih342t965353hr4jehj3@4ax.com>, Tony
Cooper at tony_cooper213@earthlink.net poured forth...
| Quote: | On Fri, 5 Nov 2004 11:29:07 -0800, "Skitt" <skitt99@comcast.net
wrote:
Dylan Nicholson rakstija:
"Frances Kemmish" wrote:
When I worked for the CEGB, and drove a company car, the insurance
carried a "franchise", rather than an "excess". That meant that if
the repairs cost less than the amount, nothing was paid by the
insurers, but if the repairs cost more than the amount, the insurers
paid all the cost.
So as long as you could find a repair shop that would charge over the
"franchise" amount, you were set.
That's a common scam in these parts. Something similar works also with
"deductibles". The shop simply prepares an invoice to the insurance company
that is higher by the amount of the deductible, so that when they receive
payment from the company, it covers the actual costs, and the insured does
not pay anything. The practice appears to be fairly bluntly advertised in
some local flyers by auto glass replacement shops, with statements like "If
you have insurance, it'll cost you nothing." In the phone book Yellow Pages
they are a bit more careful about how they put it.
Dunno about all states, but there is no deductible with windshield
replacement. Insurance automatically pays all. It's illegal to drive
in Florida with a cracked or broken windshield.
If you have State Farm or Allstate automobile insurance, you'd be hard
pressed in Florida to find a body shop that will fudge the estimate to
include your deductible. State Farm and Allstate really control the
body shops and require proof of payment of the deductible by the
insured.
|
The body shop we use is so tied-in to State Farm we don't even
need to see our agent. The shop takes care of all the insurance
details and makes sure we pay our $500 deductible.
--
dg (domain=ccwebster) |
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Skitt
Guest
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| Posted: Sat Nov 06, 2004 4:22 am
Post subject: Re: I can't understand the reason why the homeowner did not |
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Ray Heindl rakstija:
| Quote: | "Skitt" wrote:
Dylan Nicholson rakstija:
So as long as you could find a repair shop that would charge over
the "franchise" amount, you were set.
That's a common scam in these parts. Something similar works also
with "deductibles". The shop simply prepares an invoice to the
insurance company that is higher by the amount of the deductible,
so that when they receive payment from the company, it covers the
actual costs, and the insured does not pay anything. The practice
appears to be fairly bluntly advertised in some local flyers by
auto glass replacement shops, with statements like "If you have
insurance, it'll cost you nothing." In the phone book Yellow
Pages they are a bit more careful about how they put it.
My last insurance company covered windshield repair (not replacement)
with no deductible. Presumably they calculated that they would save
in the long run if people got small cracks repaired rather than
waiting for them to grow big enough to require replacement of the
windshield. Maybe this is what the fliers are alluding to.
|
I checked my policy, and there's no provision in it for waiving the
deductible for glass damage.
ObAUE: You had me wondering there for a bit, so I checked and found (see the
last line od it):
Main Entry: fli·er
Pronunciation: 'flI(-&)r
Function: noun
1 : one that flies; specifically : AIRMAN
2 : a reckless or speculative venture -- usually used in the phrase take a
flier
3 usually fly·er : an advertising circular
--
Skitt (in Hayward, California)
www.geocities.com/opus731/
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Tony Cooper
Guest
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| Posted: Sat Nov 06, 2004 5:01 am
Post subject: Re: I can't understand the reason why the homeowner did not |
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On Fri, 5 Nov 2004 13:22:28 -0800, "Skitt" <skitt99@comcast.net>
wrote:
| Quote: |
Ray Heindl rakstija:
"Skitt" wrote:
Dylan Nicholson rakstija:
So as long as you could find a repair shop that would charge over
the "franchise" amount, you were set.
That's a common scam in these parts. Something similar works also
with "deductibles". The shop simply prepares an invoice to the
insurance company that is higher by the amount of the deductible,
so that when they receive payment from the company, it covers the
actual costs, and the insured does not pay anything. The practice
appears to be fairly bluntly advertised in some local flyers by
auto glass replacement shops, with statements like "If you have
insurance, it'll cost you nothing." In the phone book Yellow
Pages they are a bit more careful about how they put it.
My last insurance company covered windshield repair (not replacement)
with no deductible. Presumably they calculated that they would save
in the long run if people got small cracks repaired rather than
waiting for them to grow big enough to require replacement of the
windshield. Maybe this is what the fliers are alluding to.
I checked my policy, and there's no provision in it for waiving the
deductible for glass damage.
|
Perhaps the ads you see have one of those tiny asterisks that refers
the reader to a line that says something like "It'll cost you nothing
if you have a policy with a glass waiver. All others will be charged
the appropriate deductible".
To find out what your insurance provides, look under the comprehensive
damage part and not the collision damage part.
http://www.insurance.com/FAQs/autoFAQDetail.aspx/index/2 give
information on the deductible and windshields. The key part is:
Glass coverage is included as one part of comprehensive, but (unlike
the other items covered under comprehensive) typically comes without a
deductible. This means that, if your car windshield is damaged or
destroyed and needs to be replaced; your auto insurance company will
pay the entire bill.
It goes on to say that you can add a deductible for glass to lower
your premium.
| Quote: | ObAUE: You had me wondering there for a bit, so I checked and found (see the
last line od it):
Main Entry: fli·er
Pronunciation: 'flI(-&)r
Function: noun
1 : one that flies; specifically : AIRMAN
2 : a reckless or speculative venture -- usually used in the phrase take a
flier
3 usually fly·er : an advertising circular |
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Skitt
Guest
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| Posted: Sat Nov 06, 2004 5:47 am
Post subject: Re: I can't understand the reason why the homeowner did not |
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Tony Cooper rakstija:
| Quote: | "Skitt" wrote:
Ray Heindl rakstija:
"Skitt" wrote:
Dylan Nicholson rakstija:
So as long as you could find a repair shop that would charge over
the "franchise" amount, you were set.
That's a common scam in these parts. Something similar works also
with "deductibles". The shop simply prepares an invoice to the
insurance company that is higher by the amount of the deductible,
so that when they receive payment from the company, it covers the
actual costs, and the insured does not pay anything. The practice
appears to be fairly bluntly advertised in some local flyers by
auto glass replacement shops, with statements like "If you have
insurance, it'll cost you nothing." In the phone book Yellow
Pages they are a bit more careful about how they put it.
My last insurance company covered windshield repair (not
replacement) with no deductible. Presumably they calculated that
they would save in the long run if people got small cracks repaired
rather than waiting for them to grow big enough to require
replacement of the windshield. Maybe this is what the fliers are
alluding to.
I checked my policy, and there's no provision in it for waiving the
deductible for glass damage.
Perhaps the ads you see have one of those tiny asterisks that refers
the reader to a line that says something like "It'll cost you nothing
if you have a policy with a glass waiver. All others will be charged
the appropriate deductible".
To find out what your insurance provides, look under the comprehensive
damage part and not the collision damage part.
|
I did, and there are no special allowances for it. In fact, the only thing
that is said about comprehensive damage is that it is applied to all damages
that don't fall under the collision damage description.
| Quote: | http://www.insurance.com/FAQs/autoFAQDetail.aspx/index/2 give
information on the deductible and windshields. The key part is:
Glass coverage is included as one part of comprehensive, but (unlike
the other items covered under comprehensive) typically comes without a
deductible. This means that, if your car windshield is damaged or
destroyed and needs to be replaced; your auto insurance company will
pay the entire bill.
It goes on to say that you can add a deductible for glass to lower
your premium.
|
Right, and to lower our premiums I have $1000 deductibles on both collision
and comprehensive coverage for both of our cars.
--
Skitt (in Hayward, California)
www.geocities.com/opus731/ |
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Tony Cooper
Guest
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| Posted: Sat Nov 06, 2004 7:06 am
Post subject: Re: I can't understand the reason why the homeowner did not |
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On Fri, 5 Nov 2004 14:47:53 -0800, "Skitt" <skitt99@comcast.net>
wrote:
| Quote: |
Tony Cooper rakstija:
"Skitt" wrote:
Ray Heindl rakstija:
"Skitt" wrote:
Dylan Nicholson rakstija:
So as long as you could find a repair shop that would charge over
the "franchise" amount, you were set.
That's a common scam in these parts. Something similar works also
with "deductibles". The shop simply prepares an invoice to the
insurance company that is higher by the amount of the deductible,
so that when they receive payment from the company, it covers the
actual costs, and the insured does not pay anything. The practice
appears to be fairly bluntly advertised in some local flyers by
auto glass replacement shops, with statements like "If you have
insurance, it'll cost you nothing." In the phone book Yellow
Pages they are a bit more careful about how they put it.
My last insurance company covered windshield repair (not
replacement) with no deductible. Presumably they calculated that
they would save in the long run if people got small cracks repaired
rather than waiting for them to grow big enough to require
replacement of the windshield. Maybe this is what the fliers are
alluding to.
I checked my policy, and there's no provision in it for waiving the
deductible for glass damage.
Perhaps the ads you see have one of those tiny asterisks that refers
the reader to a line that says something like "It'll cost you nothing
if you have a policy with a glass waiver. All others will be charged
the appropriate deductible".
To find out what your insurance provides, look under the comprehensive
damage part and not the collision damage part.
I did, and there are no special allowances for it. In fact, the only thing
that is said about comprehensive damage is that it is applied to all damages
that don't fall under the collision damage description.
http://www.insurance.com/FAQs/autoFAQDetail.aspx/index/2 give
information on the deductible and windshields. The key part is:
Glass coverage is included as one part of comprehensive, but (unlike
the other items covered under comprehensive) typically comes without a
deductible. This means that, if your car windshield is damaged or
destroyed and needs to be replaced; your auto insurance company will
pay the entire bill.
It goes on to say that you can add a deductible for glass to lower
your premium.
Right, and to lower our premiums I have $1000 deductibles on both collision
and comprehensive coverage for both of our cars.
|
I'm not really sure about this, but it seems that what you have done
is waived your rights to a free windshield replacement. If so, the
ads are not misleading. However, your carrier or your state may not
even have the free replacement option. I don't think anything in the
area of insurance can be considered to be "standard" across the
country. Except, of course, that your premiums will be greater than
the benefit you receive or they will cancel the policy. |
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Skitt
Guest
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| Posted: Sat Nov 06, 2004 7:33 am
Post subject: Re: I can't understand the reason why the homeowner did not |
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Tony Cooper rakstija:
| Quote: | "Skitt" wrote:
Tony Cooper rakstija:
"Skitt" wrote:
Ray Heindl rakstija:
My last insurance company covered windshield repair (not
replacement) with no deductible. Presumably they calculated that
they would save in the long run if people got small cracks
repaired rather than waiting for them to grow big enough to
require replacement of the windshield. Maybe this is what the
fliers are alluding to.
I checked my policy, and there's no provision in it for waiving the
deductible for glass damage.
[...]
To find out what your insurance provides, look under the
comprehensive damage part and not the collision damage part.
I did, and there are no special allowances for it. In fact, the
only thing that is said about comprehensive damage is that it is
applied to all damages that don't fall under the collision damage
description.
|
[...]
| Quote: | I'm not really sure about this, but it seems that what you have done
is waived your rights to a free windshield replacement. If so, the
ads are not misleading. However, your carrier or your state may not
even have the free replacement option. I don't think anything in the
area of insurance can be considered to be "standard" across the
country. Except, of course, that your premiums will be greater than
the benefit you receive or they will cancel the policy.
|
I was not given the opportunity to waive anything. On the other hand, in my
55 years of driving, I have replaced only one windshield, and that was on a
car that I bought with a broken one. That was the 1952 MGTD with a couple
of broken pistons and many other shortcomings. I saved it from the junk
pile, back in 1960, for $125. I got it running again, all by myself, and
enjoyed it for several years to come.
--
Skitt (in Hayward, California)
www.geocities.com/opus731/ |
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Poet Fury
Guest
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| Posted: Sun Nov 07, 2004 7:59 pm
Post subject: Re: I can't understand the reason why the homeowner did not |
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On Fri, 05 Nov 2004 03:27:01 GMT, Steve Hayes wrote:
| Quote: | It means that the home owner is responsible for a certain propotion of the
claim, say the first 1000 (dollars, zlotys, leka, etc) of each claim.
So if the claim is less than 1000 it is not worth claiming.
|
Unless it's a yearly deductible, rather than a per-incident deductible.
(But that is more usual in medical insurance.)
--
http://www.genjerdan.com/nvm/tdis/index.html
Of course it's music. It has notes in it, doesn't it? |
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