Windshield Crack - Not Covered by Warranty

[limtless]

Sorry to hear about this. One suggestion as a precautionary is to put a protective film on the windshield. I had Xpel PPF

Exactly. I have Exoshield on my Air. I had it applied when I took the car in for XPEL PPF. The Exoshield is great.

Do you have the glass canopy and a picture you can share? I was told the film is only 48" so there will be a line on the canopy

 

[j4gates]

Ran across this short video covering the black dots on the borders (frit band) of most windshields. One of the purposes mentioned for the dots is prevention of thermal stress. Went out to the garage to see how "robust" the black dots were on the loaner vehicle I have (car happens to be in for service this week) and was surprised to see there are no black dots. Hmmm.

 

[Steveinarizona]

AZ20-263: https://www.azleg.gov/ars/20/00263.htm

States that no insurer can increase the motor vehicle insurance premium of an insured as a result of an accident that was not caused or significantly contributed to by the actions of the insured. This implies that incidents leading to windshield damage, not due to the fault of the insured, should not result in an increase in insurance premiums.

Should an insurer decide to increase a premium due to an accident, they are obligated to notify the insured of the specific reasons for such an increase.

AZ20-264: https://www.azleg.gov/ars/20/00264.htm

And, actually, Arizona is one of six states with a free windshield replacement law. Meaning auto glass coverage is included with all Arizona comprehensive auto insurance policies. This law includes your deductible not applying to windshield claims, and you paying nothing out of pocket; you may have to select the $0 deductible option, but your insurer in AZ *must* offer it.

If you have a high number of claims per year, it's assumed that you’re consistently driving in high risk areas such as heavy construction or unpaved roads. The best advice is to inform your insurance provider if this is your situation to avoid fluctuating glass coverage pricing.

None of this applies if you have liability-only coverage, obviously.

So, if they told you your windshield claims were a factor in the rate hike, then they think you are at-fault for those claims, and you should get them to correct it. Or… they lied to you, or they broke the law.

You can file a complaint here: https://difi.az.gov/consumers/help-problem/filing-complaint

The penalty to the insurer is a refund of the overage, plus a $300 fine.

Laws like these are great until the insurers figure out a way to claim that the damage does not fall under the cited provisions. They could try to claim that the driver was following too closely so he contributed to the accident. Will they prevail if it were litigated: probably not. But insurers count on relatively small matters not being litigated. One can file in small claims court but the corporate solution to that is to remove the case to Superior Court. Then litigate, litigate, litigate and if the case is still live, then settle.

 

[BSheppard]

Before my Gravity I had a 2022 Tesla and I had to replace the windscreen three times. I live in Southern California and do mostly highway miles, one was defiantly a stone from a trailer but I could not explain the other two... I put is down to cheap glass in the Tesla. Each time I paid to replace and it simply sucks!