Took out rear window

[Jerryr]

My wife was driving our truck with the 5th wheel today she took a sharp turn and the trailer took out the back window. It doesn’t appear to have any damage other than the window.

We have State Farm Insurance. Glass coverage is normally considered a comprehensive claim with zero deductible in Florida.

Does anyone have experience claiming it as comprehensive claim? I don’t think it would be Collision claim because there was no other vehicle involved.

 

[livinthelife]

My wife was driving our truck with the 5th wheel today she took a sharp turn and the trailer took out the back window. It doesn’t appear to have any damage other than the window.

We have State Farm Insurance. Glass coverage is normally considered a comprehensive claim with zero deductible in Florida.

Does anyone have experience claiming it as comprehensive claim? I don’t think it would be Collision claim because there was no other vehicle involved.

We have a friend that's done this 3 times. He still hasn't learned.

 

[[email protected]]

My wife was driving our truck with the 5th wheel today she took a sharp turn and the trailer took out the back window. It doesn’t appear to have any damage other than the window.

We have State Farm Insurance. Glass coverage is normally considered a comprehensive claim with zero deductible in Florida.

Does anyone have experience claiming it as comprehensive claim? I don’t think it would be Collision claim because there was no other vehicle involved.

First off I would move the hitch back several inches. Or if that's a short bed get a sliding hitch that moves the pin back automatically when turning.
I know State farm will comp. glass chips and replacement windshields when it's not your fault, they did my $9,000 Mangusta windshield. What I would do it ask your agent, not the claims department. If it's charged to you your premium may go up and you could pay more over time then the replacement of the window.

Sent from my SM-G975U using Tapatalk

 

[Jerryr]

I booked a Ford OEM rear window replacement at Safelite for Wednesday. Used Costco Safelite discounted price of $525. I will pay for it myself without reporting to insurance.

They confirmed its OEM rear sliding glass with defroster, because there is no aftermarket for the 2020’

 

[RobWNY]

Hmmm. A tree branch came down in a storm and broke your window you say? What a shame. You better file an insurance comp claim.

 

[Jerryr]

Hmmm. A tree branch came down in a storm and broke your window you say? What a shame. You better file an insurance comp claim.

I’m reluctant to file a claim for a $500 damage, reason being State Farm paid out over $60,000 on a claim for us 5 months ago. It wasn’t our fault. An uninsured driver ran a red light and T-boned our 2019 Nissan Leaf. She fled the scene and thanks to 2 good samaritans who chased her she was caught 5 miles away. She was arrested for hit and run and having a meth pipe in he car.

Our insurance company, State Farm, paid generously for our totaled 2019 car where we were able to purchase an identical 2020 to replace it. They also paid 100% of ambulance, hospital, doctors and medicines. Our premiums did not go up at all after the accident.

 

[zinman]

My wife was driving our truck with the 5th wheel today she took a sharp turn and the trailer took out the back window. It doesn’t appear to have any damage other than the window.

We have State Farm Insurance. Glass coverage is normally considered a comprehensive claim with zero deductible in Florida.

Does anyone have experience claiming it as comprehensive claim? I don’t think it would be Collision claim because there was no other vehicle involved.

[MENTION=6297]Jerryr[/MENTION] what happened to you is exactly why I have a Pullrite Superglide. Back in 2006 I put a football sized dent in the right rear of my new F250 CC SRW truck cab and smushed the right front corner of my brandy new Alpenlite Voyager 34RL. The Superglide pushes your pin back up to 14 inches in the truck bed when making a turn. Sharper the turn the further it's pushed back. You can do a 90 degree turn and not worry about slamming your truck cab or window. Lastly, glad you and spouse are safe after being T boned. Safe Travels!!

 

[Canyonlight]

My wife was driving our truck with the 5th wheel today she took a sharp turn and the trailer took out the back window. It doesn’t appear to have any damage other than the window.

We have State Farm Insurance. Glass coverage is normally considered a comprehensive claim with zero deductible in Florida.

Does anyone have experience claiming it as comprehensive claim? I don’t think it would be Collision claim because there was no other vehicle involved.

Jerry - ouch sorry to hear about this and see the picture ! Hope Linda is doing OK......things happen and are easily fixed.

Curious, you list the AUH as your hitch.......is your ball mount positioned forward or rearward ?

Dan

 

[geotex1]

[MENTION=6297]Jerryr[/MENTION] am I right that the culprit was the flip-up tonneau pressing the window and the nose of the 5er pressed on it?

The rear power sliders are the most expensive, of course, because of the labor to deal with the interior to get to the motor assemble which sits along the cab wall. I would personally just shop 3 SMALL/independent autoglass shops and out-of-pocket it. Avoid a Safelite or other big chain and there's no need to go to a dealer because 98% of them simply subcontract to a glass shop. I speak with a little knowledge as I have a contingent of family in the autoglass business.

 

[JCR GD]

...

Does anyone have experience claiming it as comprehensive claim? I don’t think it would be Collision claim because there was no other vehicle involved.

Just asked my daughter (she was a supervising claims adjuster for State Farm) she said it should be collision on the truck insurance and should be covered depending on deductible etc.

 

[Jerryr]

Just asked my daughter (she was a supervising claims adjuster for State Farm) she said it should be collision on the truck insurance and should be covered depending on deductible etc.

Thanks for the info. My collision has a $1,000 deductible so I won’t be claiming it.

 

[Jerryr]

[MENTION=6297]Jerryr[/MENTION] am I right that the culprit was the flip-up tonneau pressing the window and the nose of the 5er pressed on it?

The rear power sliders are the most expensive, of course, because of the labor to deal with the interior to get to the motor assemble
which sits along the cab wall. I would personally just shop 3 SMALL/independent autoglass shops and out-of-pocket it. Avoid a Safelite or other big chain and there's no need to go to a dealer because 98% of them simply subcontract to a glass shop. I speak with a little knowledge as I have a contingent of family in the autoglass business.

I tried a couple on small independent auto glass shops. Prices were better than Safelite original quote but not as good as Safelite/Costco price. They all say only OEM glass is available for my truck.

Safelite price with Costco discount is $466 for the OEM glass with sliding window and defroster. Their Labor price quoted at $60 plus $10 for disposal fees. Plus sale tax of course. That price is bringing it to their shop. Mobile service is an additional $39. Costco price saves $140 on the repair over standard Safelite price.

We have an 11 AM appointment with Safelite at their shop. The Safelite shop is 1 block from my daughter’s business so we will drop it off and go to lunch with her, now that it’s been 2 weeks since we got our 2nd Moderna vaccines.

Costco price was about $140 cheaper than Safelite online price and puts the price competitive with small independent shops.

 

[LegacyFB38]

Does anyone know how much of our premiums goes to cover insurance fraud?

 

[Jefferson Beifuss]

Does anyone know how much of our premiums goes to cover insurance fraud?

States get their rates set and approved at the state level. Insurance companies file their rate requests with the State Insurance Commissioners to get permission to charge you and me the various premiums we pay. They justify those rates by showing the experience (losses plus expenses) they had during the previous rating period. Any fraudulent payments made during that previous rating period goes into the rate requests that the insurance company requests next time around. To the extent that they are able to detect and avoid making those fraudulent payments, they do not go into those rate requests.

41 years as an insurance claims professional, retired now. Loved helping people, hated the paperwork.

 

[Jerryr]

New Ford OEM rear window was installed at Safelite. It cost $571 with parts, labor and tax. Plus a $20 tip to the tech.

It took them 1hr 15min from time I arrived until they were done. They were extremely professional and very efficient. I’m real happy that this is behind us.

 

[RobW-NC]

New Ford OEM rear window was installed at Safelite. It cost $571 with parts, labor and tax. Plus a $20 tip to the tech.

It took them 1hr 15min from time I arrived until they were done. They were extremely professional and very efficient. I’m real happy that this is behind us.

I believe you may want to invest in a Pullrite Superglide

 

[Scott'n'Wendy]

I’m real happy that this is behind us.

Looks good!
Make sure everybody knows the safe turning capabilities of your set-up so it stays behind you....

 

[Scott'n'Wendy]

We have a friend that's done this 3 times. He still hasn't learned.

Betcha he's a fun guy around the campfire though!!

 

[Jerryr]

I believe you may want to invest in a Pullrite Superglide

Unfortunately that extra weight would put me over my payload.

I’ve been towing with the Andersen for 4 years now until this incident.

If I do anything I’ll trade the truck for a F.450 and continue to use the Andersen which I love. A F.450 would give me payload headroom, no issues in sharp turns due to long bed and the advantages of wide track turning, bigger brakes, dusk wheel redundancy.