This is a tale that began in February of this year. It was cold. There had been a lot of snow and ice that had fallen. The result was a crack in my windshield.
Having my auto insurance through GEICO, I went to their website to file a claim. As it turns out, I had a $500 glass deductible. “I don’t remember agreeing to that,” I thought. But what’s done is done. I’ll deal with it and life goes on. GEICO connected me to Safelite. A technician drove out to my school on March 1 and replaced my windshield for approximately $375.
Exactly one week after my new windshield was installed, on March 9, I walked out of the school to find another crack in roughly the same place. Assuming this damage would be covered by the warranty, I called Safelite to have them come out and do another replacement, thinking it would be free of charge. It was not covered by the warranty, which apparently only covers acts of God and/or cracks that appear as if from nowhere. The fact that a tiny pebble can jump up off the road and ding your glass without you even knowing it makes no difference.
So I told the guy to take a hike (well, with a little more tact than that) because I could not afford to pay for two windshields in as many weeks. I decided I would wait, simply on principle. And, I figured, whenever the time came for me to have the windshield replaced, GEICO would pay for the majority of it, seeing as how I had already paid $375 out of that $500 deductible.
Fast forward to six months later. Fiona is due for an inspection before the end of the month. So the windshield must be replaced if I’m to keep her street legal. I got online to make my glass claim with GEICO and noticed something disturbing. My deductible was still $500. Why would it be $500 dollars, considering I had already had a glass claim this year which should have lowered it by $375?
By this point, I knew that a soulless website could no longer help me. So I prayed that my phone would hold out long enough for me to get a signal and actually speak to someone at my insurance company. The woman calmly explained to me that the $500 glass deductible was not per year. It was per claim.
ARE YOU FREAKING KIDDING ME?!
First of all, I have no memory of setting up my auto insurance with any kind of glass deductible. I feel like I would remember having that conversation with someone when I bought the Corolla two years ago. I mean, I like to have a low premium. Who doesn’t? But I seriously think I would have remembered agreeing to a $500 glass deductible PER CLAIM when I signed up for full coverage! Even if I didn’t remember choosing that option, I’m certain that seeing it on my policy when I attempted to make a claim would have jogged the crap out of my memory.
I admit, I lost my temper with the woman on the phone. I didn’t say anything incredibly rude, but my tone was not what it should have been. It wasn’t her fault that I was in this situation. At least, I assume it’s not her fault. Though, she did speak to me as if I was a little stupid. And maybe I am. Maybe the fact that I got suckered into a $500 dollar glass deductible PER CLAIM means I’m genuinely stupid.
Two years ago, I totaled Half-Pint, the little blue Yaris I used to have. GEICO was great in the weeks that followed as I filed my claim and purchased a new vehicle. At least, I thought they were great. Until I signed up for full coverage for Fiona and got the shaft where it comes to glass claims. This year, GEICO has become an evil entity in my eyes.
I went back to the website and filed my new glass claim. I attempted to go through the GEICO site to set up my Safelite appointment again, but they claimed technical difficulties. So I just went to Safelite’s site myself. When I attempted to “go through my insurance” for payment, they attempted to send me back to GEICO’s site. But then I figured, what’s the point? I’m paying out of pocket anyway.
And that’s what I’ll do. Who needs a savings account, right? I’ll pay for another new windshield and as soon as that’s done, me and GEICO are finished. I will cancel my policy with that stupid little lizard and I’ll seek car insurance with another company. Apparently there are a lot of options. Who do you have your insurance with? Do they sneakily get you to agree to a $500 glass deductible PER CLAIM? If they do, I’d like to avoid them. If not, let me know because I’m definitely in the market.