A "Chip" on Your Shoulder: How Many is Too
February 21, 2013
by Casey Neeley, firstname.lastname@example.org
Insurers may begin counting the number of cracks and chips a windshield
has before deciding if it should be repaired or replaced.
According to State Farm Mutual Automobile Insurance Co., the insurer
endorses the idea of a replacement once the windshield has reached
a particular number of chips or cracks.
"In the case of more than three damaged areas to the windshield,
State Farm strongly recommends windshield replacement," says Anna
Bryant, public affairs specialist. "However, we will repair instead
of replace the windshield at the policyholder's request."
As for State Farm's reasoning behind this recommendation, Bryant
says, "Unfortunately, we can't provide any additional information
due to proprietary reasons."
Bob Beranek, president of Auto Glass Consultants and glassBYTEs.com
blogger, says there is no definitive way to make a blanket determination
of when damaged windshields should be replaced.
"The Repair of Laminated Automotive Glass Standard (ROLAGS) has
no limitations to the number of breaks on a single piece of glass,
only how close one repair can be from another," says Beranek. "The
insurance industry recommends that there not be three repairs done
on one windshield at one time but I think that is financial rather
than a safety [concern]."
Beranek adds that a lack of testing may be the reason there is
no known standard.
"There has never been a third party evaluation as to the safety
of a repaired windshield," he says.
Rich Campfield, of Ultra-Bond and president of the National Windshield
Repair Association (NWRA) says, "The insurance company is not the
one contracting for the repair, they should not be invoking their
pricing on the consumer, it's the consumer's vehicle. As long as
they are at a reputable repair shop they are in good hands."
"The only reason that they would be limiting repairs is because
turning a repair into a replacement kicks in the deductible and
the insurance company pays $0 for the deductible. Usually the insurance
company is not paying on replacement because of the deductible.
By turning a crack into a replacement, they escape paying for a
repair by kicking in that deductible ... Legally speaking, they
have no right to limit the repair because it's not their car or
their money," he adds.
Are you working with any insurers who limit repairs? Email the
editor at email@example.com.
This story is an original story by AGRR™ magazine/glassBYTEs.com™. Subscribe to AGRR™ Magazine.
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