hawtheric1

Just like your windshield, apparently State Farm will cover our fog lights as well.

I place a call/email to my agent to make a claim.

Has anyone else heard of this?

I'll let you know how it goes.

Stealer wants $680 to replace.


Hawth

khmergod

Every claim will be put against your account when you report it to your ins. company. Dealerships have gone to a new low.

USCGTO

I have state farm
I have a busted fog light (aren't they easy to bust all the time)
I am afraid state farm won't help you.

You can still try though.

hawtheric1

So far so good.....

Here's the reply from State Farm....

"Thank you Eric.
I am submitting a claim and the adjusters will be calling you.

If you have any questions or concerns let me know.
If anything comes up I will call you."

I'll keep you posted.

Hawth

mdosu

it's not a $20 windshield indent (which is "free" to fill in the dent)...if the rock completely spider-webbed the fog light, you'll need a complete new light housing (or lens)

hawtheric1

The windows are completely shattered. The bulb is in tact but I'm hopeful they will replace that as well.

I received a call from the adjuster with the claim number:-)

The adjuster asked me if I had a shop in mind. I told him I was taking it to the dealer. Then the adjuster said, "they are going to charge a lot for labor." I said, "yeah, so. That's why I have insurance." Tehehehehe! Anyway, i gave the claim number to MB and they are setting up an appt. This couldn't have been easier. I hate to admit it but my fog lights have been broken since Year 1. I'm driving a 2009. Ouch.

I've had 3 windshields replaced since I bought the car.

I'm sure i'll have more than 2 fog lamps replaced as well.

Cheers,
Hawth

bushburninc63

wow, i learned something new, ordered two new fog lights long ago and haven't had it installed yet. i have state farm also.

Roswell

U dont need to pay ur deductibles? I would be afraid they raise the premium the following year.. But this claim should be classified as "comprehensive".

CoolBDPhenom03

It's actually not that hard to do. I just had mine taken apart today to troubleshoot an issue with the HIDs. But the room you have to work in is small. Just order the new housing from parts.com.

Should be in and out in 30 minutes.

AMG 17GT

You truly are an idiot. Assuming everyone is at fault and they should pay.

Maroons like you need an adjustment.

JonMBZ

Why is this a new low? Looks like they helped him out. If the job goes through insurance the dealer will make less money than if they charged him for it.

cyberorth

Ok mr poopy pants. Do you live in the same country of wealth redistribution?

aamirani

Um...what?

Guilty

Wtf are you talking about?

rory breaker

Did you confirm no deductible?

Roswell

I was asking OP, but he didn't answer that. If there is deductible involved, I would think the premium would go up the following year.

If no deductibles, it means u r not at fault therefore it should be classified as "comprehensive claim"

hyperion667

khmergod

Because I've never known an insurance to pay for repair unless you pay the deductible if it is your fault or if the party responsible wasn't there or did not have enough coverage.

moosejaw

Comprehensive insurance is different than collison insurance. If you have comprehensive insurance with no out of pocket deductible than what the OP is saying is true. If so then he will not suffer a increase in premiums

Everyone's policy is different. it pays to know whats in your policy. This is why i carry more than the 10K/20K minimum on my car and everyone else should too.

khmergod

Thank you for clarifying that.

jvanbrecht

Actually, most insurance companies (for people with full comprehensive coverage) will replace or repair a front windshield once every year (or 2, I forget) for free. No deductible, and no premium increase.

Now lights are different story, I have no knowledge on that, but would be nice if they did.

amdeutsch

As previously stated you are are making a blanket statement, possibly based on your personal experience, but with no real world proof: i.e. list of companies, locations, etc.

rory breaker

Neither Geico nor Allstate will replace a windshield or fogs without a deductible, that's a fact from experience. Maybe this varies from state to state, but FYI.

Not trying to be a grey cloud here, that's why I asked are you sure you won't pay the deductible. That's what it comes down to. You can call and file a claim all day long,of course the will document the case....then you pay the deductible when its fixed. That's how it works. Them creating a claim etc does not = no deductible. This can be solved simply, just ask them and get it in writing...deductible or no?

Roswell

^^ + 63... OP, I'm very curious on how u got away from the deductibles or not?

cyberorth

I think insurance companies make exceptions in the case of a repairable windshield where they do not consider deductible and just pay for the repair. This is not cause they are awesome! This is to prevent the very repairable windshield from becoming irreparable and despite the deductible, their pay out would be greater for a replacement.

I know that based on my good and long relationship with my agent, she may consider courtesies that are not available to all customers. Happens all the time and is called doing business! However, I cannot make the assumption that those courtesies are standard policy. In fact I may keep it to myself to prevent a flood of similar claims and the notion of "well, you guys did it for such and such, why not for me..."