2016 S550 Windshield crack
Newbie
Joined: May 2020
Posts: 9
Likes: 4
From: New York, NY
2016 S550 4Matic, 1982 300SD
Old thread, but I wanted to chime in with the cracked windshield on my new to me 2015 S63 Coupé that cracked yesterday. I have 140k on my daily driver W205 and have never had a cracked windshield. I drive this S63 for 48 hours and cracked windshield. As much as I want to file a claim with State Farm you guys have scared me out of filing the claim out of fear of cancellation, so I’m going to eat the cost myself.
As a former insurance claims adjuster, I can tell you that one single Comprehensive (glass) claim is unlikely to cause a reputable insurer to cancel your policy. You should look at your claims history with your current insurer over the past 3-5 years. If you haven't had any claims where your policy paid out significant damages to either you or a third-party, you shouldn't fear a cancellation due to one single windshield replacement (even if it ends up costing $2500+).
That said, even glass claims do have an ability to stay on your record - my claim for the cracked windshield in mid-2020 is still listed as an "event" on my policy renewals. Whether or not this causes your premiums to increase on the next renewal is dependent on your insurer's underwriting team.
Last edited by hctruong; Jul 21, 2023 at 10:04 AM.
Super Member
Joined: Jul 2007
Posts: 743
Likes: 228
From: Santa Barbara, CA
S550C4, Porsche Cayenne
MBWorld God!
Joined: Jul 2010
Posts: 31,277
Likes: 3,916
From: on my way
2012 CLS63
A couple of years ago the company I used for auto insurance told me they'd no longer insure my AMG but would gladly continue to provide for my other cars and my wifes car as well as homeowners insurance. I decided to tell them to fawk off and went with a different company. I used to not even get homeowners but a friend talked me into it. Odin forbid I ever have to make a claim as I know they'll find someway to fawk me over.
It's all a bunch of BS.
