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Insurance: New Windshield and Headlight

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Old 02-10-2017, 06:56 PM
  #31  
DTMiller
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Yeah, I don't have to ask that question. I have a budget spreadsheet that goes back 12 years. The premium for every car I own is unchanged by any meaningful amount (less than $1.00/month) across that entire time.

In that time the invoiced amount for comprehensive repairs exceeds $6500.
Old 02-10-2017, 07:22 PM
  #32  
stan23
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Originally Posted by 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?
I switch insurance companies every few years--when I start to feel the rates have become unreasonable. Have had all the bigs ones; State Farm, AAA, Progressive, Geico, etc.. Never made any claims outside of the occasional windshield replacement. Never an at fault accident. As I mentioned earlier, it's probably my geographic location, and age--i'm probably a bit younger than most folks here.

Originally Posted by DTMiller
Yeah, I don't have to ask that question. I have a budget spreadsheet that goes back 12 years. The premium for every car I own is unchanged by any meaningful amount (less than $1.00/month) across that entire time.

In that time the invoiced amount for comprehensive repairs exceeds $6500.
Interesting, still I would take a closer look at the rate when the next renewal comes up. May be surprising.
Old 02-10-2017, 07:30 PM
  #33  
Woodman71
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Originally Posted by RngTrtl
new windshield is 500ish installed.
Not for OEM glass.

Chinese glass, yes.
Old 02-10-2017, 08:31 PM
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Just had mine replaced here in CA. Cost $956.18 but I had a $100.00 deductible. Said it was OEM, label says Pilkington and from what I was able to find is that Pilkington makes the glass for Porsche with their name on it. Not sure if there is any difference? Pilkington is a German Company.
Old 02-10-2017, 11:40 PM
  #35  
vandersmith
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Didn't realize this would spark a coverage/insurance debate. Was hoping to simply provide a PSA on the cost of replacements.

Every one of us is going to have different situations and ideals about insurance. There are far too many factors involved for this to be a straight forward internet discussion (driving record, policy limits, credit, insurer, location, age, etc.)

I'll give an update if my premiums should change but if I'm honest I don't expect them to.
Old 02-10-2017, 11:45 PM
  #36  
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Here's some quick shots of the broken headlight. The lens is missing pieces as it cracked across the middle and fell apart.

Before:




After:


Old 02-11-2017, 12:21 AM
  #37  
stan23
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Originally Posted by vandersmith
Didn't realize this would spark a coverage/insurance debate. Was hoping to simply provide a PSA on the cost of replacements.

Every one of us is going to have different situations and ideals about insurance. There are far too many factors involved for this to be a straight forward internet discussion (driving record, policy limits, credit, insurer, location, age, etc.)

I'll give an update if my premiums should change but if I'm honest I don't expect them to.
I apologize for derailing your thread. Your car looks great, and i'm glad it's fixed.

There's nothing like a new windshield!
Old 02-11-2017, 10:49 AM
  #38  
karungguni
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In purchasing a 996 I knew I needed a pretty liberal budget for mechanical repairs. I have good insurance and would surely be covered for a situation like this. I cannot help but wonder what is the justification for the high prices on these parts. They do not seem to be able to be explained away by engineering or being 'handmade'. I am starting to rethink if I want to open up myself to these type of expenses.
Old 02-12-2017, 10:45 AM
  #39  
RngTrtl
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Originally Posted by Woodman71
Not for OEM glass.

Chinese glass, yes.
It was for Pilkington glass.
Old 03-18-2017, 05:36 PM
  #40  
EastBay
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Just got a sale flyer from Porsche Atlanta and the new windshields are $400 and change depending on what tint you want
Old 03-18-2017, 06:19 PM
  #41  
gnochi
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Hi @vandersmith, do you still have the broken headlight? I'm designing a DRL setup and need a testbed.
Old 03-18-2017, 07:23 PM
  #42  
Imo000
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Now you have a car with one new and one old headlight. The two will old differently. I would have asked the insurance company for a good used one instead.

Regardless, don't throw out the cracked headlight. Someone might be looking for one because theirs has a cracked housing. Swapping out the lenses is not that difficult. Just need and oven and some time.
Old 03-19-2017, 01:02 PM
  #43  
RngTrtl
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Originally Posted by EastBay
Just got a sale flyer from Porsche Atlanta and the new windshields are $400 and change depending on what tint you want
Can you forward this flyer on? Im looking into a new windscreen rather than fixing the chip I have.
Old 03-19-2017, 03:16 PM
  #44  
EastBay
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here you go
http://www.porscheatlantaperimeterpa...rimLevel=18175



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