serin

iTrader: (2)

i've got a quick question regarding a comprehensive coverage claim. can i make a single claim for multiple incidents, or is it per incident only?

for example, my pitted windshield also has a couple small spider and bullseye cracks in it now and i'd like to get it replaced. but can i also include in that claim, a crack in the front bumper due to road debris and also a bad paint scrape in the rear corner panel? or do i have to open a separate claim for each damaging incident?
if so, it's not worth it to go thru insurance. but if i can claim them all together, i may wait a while to pick up more damage then restore my car to new at ~100k.

any info/experience is appreciated.
btw, i'm in southern california and have mercury insurance. comprehensive deductible is $500 (will be changed to $100 after i make a claim) and they would cover a rental up to $50/day for twenty days.

NimaDogg

Im an insurance agent and I can tell you thry will have to be separate.

asu174

iTrader: (11)

They will be separate. Why don't you have $0 deductable full glass coverage??

serin

iTrader: (2)

asu174

iTrader: (11)

serin

iTrader: (2)

didn't know it was offered. is that something i can just add on, then claim?

asu174

iTrader: (11)

They might inspect it, but probably not. It's like $4/month. I get a new windshield annually for free.

I would wait a month or two before putting in a claim. Insurance fraud is somewhat frowned upon.

OUMAX

I am an auto insurance adjuster/appraiser, and those would be separtate claims with separate deductibles. However, you can file a claim for the bumper and say the windshield happened at the same time, if the bumper damage could be from rocks spraying at it, which could also have hit the windshield. Not sure what kind of damage you have to the bumper. If you take some pictures of it, send it to my email and I can tell you how to go about. I have seen lots of people claim lots of things, and get away with it because of an inexperienced appraiser. Also, there is no law about making a claim, and once the insurance co. tells you there are separate deductibles, that you have to file 3 claims, you can just tell them you don't want to file a claim, and it doesn't go against your policy, it is like it never happened.

serin

iTrader: (2)

thanks guys.
the bumper damage occurred to a stray ladder on the freeway. one of the windshield cracks actually occurred because of that too. but it's not the major one.

i'll have to pony up for the repairs sooner or later so maybe i'll just do it.