Quote:
Originally Posted by SSLarry
Insurance companies usually don't charge a deductible and for sure DO NOT raise your rates when you claim a cracked windscreen. This is because the windscreen is part of the structure of the car and helps protect you, and should always be replaced when cracked.
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Not only that, it's illegal in most states to drive with a cracked windshield. My Jeep right now has a windshield that looks like a spiderweb. It happened just before winter (the first crack), and with the cold and heat changes through winter it turned into three or four more. So I'm probably going to claim it through my existing insurance (I change companies at midnight tonight), rake them over the coals to fix it, then drop them for the new company. Same with my homeowners insurance and my roof. I plan to claim it, then switch companies for a much lower premium.