jhbrennan

$2495 each at Suncoast.
https://www.suncoastparts.com/product/9X6HLX1L.html

vandersmith

These have to be the most expensive headlights I've ever seen.

Thankfully I didn't have to worry about the price as my insurer, American Family Insurance, was covering it.

Although Suncoast, Sunset, or Sonnen usually have a few laying around all of their current stock is zero. We called them.

On the dealer end there is a nationwide Porsche inventory system that also says its zero.

gnat

Interesting, for the MkI Xenons they want $3495 (http://www.suncoastparts.com/product/9X6LITRONIC.html).

But you can get them individually for $1650 for a total of $3300 (http://www.suncoastparts.com/product/9X6HLG1L.html and http://www.suncoastparts.com/product/9X6HLG1R.html)

Maybe I should order a pair (individually) before they read this post...

stan23

Personally for a cracked windshield and headlight, I would just fix it out of pocket. Its not worth having the raised premiums -- for me. But then, I wouldn't buy a new headlight, i'll just souce one off eBay and get a local windshield guy to come out.

DTMiller

My premium didn't change a penny.

stan23

Maybe not for windshield only.

Hardback

***FOR SALE: 2 used 996 litronic headlights L & R, excellent condition no haze all bulbs 100%.

Special Rennlist Member price $5,000. PM for payment info.

gnat

If it is done as an uninsured motorist or you are not at fault and they can go after the other person/insurance, then it shouldn't raise your premium.

It's when you do bad things that your premium goes up.

stan23

But that's not what we're discussing here.

Road debris resulting in cracked headlight/windshield will fall under comprehensive.

Comprehensive claims generally will raise your rates, may not be immediate, but may occur when you renew your policy.

DTMiller

I'm not saying that's impossible. But I've run 3 comprehensive claims through State Farm and my rates haven't changed (or if they have it's been pocket change). One was a windshield for an old SUV, Safelite glass repair. One was the 911. The third was a few years ago, giant sheet of ice from the top of a truck flew off and mashed the windshield and roof of a Volvo XC90; repair bill was pretty close to totaling the car; upwards of $5K.

YMMV, and I have some pretty extensive lines with them so my experience might not translate, but I've been a really happy State Farm customer as a result of these experiences.

Schnell Gelb

Consumer Reports - this months edition confirms this !
stan23 said :
Not -at -fault "Comprehensive claims generally will raise your rates, may not be immediate, but may occur when you renew your policy"

stan23

It may have a lot to do with your geographical location. I'm thinking if you live in a major metropolitan city with lots of comprehensive claims - then the chances of raised rates are higher. Where I live, it's a sure bet that if I filed a comp claim, my rates will go up at next renewal.

Just recently, some rogue rocks hit my wife's new '17 XC90 T8, marring the windshield. Decided to just live with it and will probably swap windshield out of pocket when it gets worse.

There is nothing magical about insurance companies, they are a for profit business. They are not in the business of paying out without getting something in return - which is your premiums.

A $4500 comprehensive claim, for sure they will be knocking on your door for more money next time you renew. What's worse, you can't just change insurance companies, as that claim will follow you. Insurance companies share the same claim history profiles.

DTMiller

Yeah, and I'm pretty sure my agent has said explicitly that my rates won't change. Maybe I'm paying more up front to compensate. Dunno.

Extrapolating insurance experiences across state lines is especially difficult, as our resident insurance expert will readily concede.

stan23

Next time, ask this question instead, "will my rates change at next renewal, and if so, what percentage is based off my comprehensive claim?"

Insurance agents are very well versed on what and how they say things -- usually giving you a very good sense of security.

Of course YMMV.

gnat

May be, but like DTM I've made Comp claims to both Progressive and USAA with no impact to my premiums. Unlike DTM, I don't live in the sticks (D.C. burbs in VA).

Dunno. Maybe it's time for new insurance?