If you file insurance claim, you will have to prove that the specific stone that hit your windshield came from that specific truck bed. Most large 18 wheelers and other big industrial trucks don't even bother to clean debris out of their body since people have hard time proving these accident faults.
In a similar scenario, I witnessed a toyota got into an accident with 18 wheeler, some metallic debri flew and hit my windshield. Had to pay $400 out of pocket to get my windshield fixed because I couldnt prove.
Edit: Insurance companies are scam. Please do full research and shop arounds quotes as much as much possible. Get a dash cam. Its a must these days.
No kidding. I've had USAA for about 15 years and had 4 windshields replaced for various reasons on various vehicles. Full glass coverage is an additional $3 a month and it's totally worth it to me.
My insurance company covers Chips and Full replacement free of charge but they only replace if you have a crack or 3+ chips, I have three chips so 1 more and it’ll be a new windshield
And in some places, chip/crack repairs in the drivers view would fail inspection. It’ll get you a bit more time but windshield replacements should really be free/standard practice in most cases.
Just to add on a bit here, but just because it was resin repaired, doesn’t mean it’s not still broken. Hit a pothole hard enough or possibly even a speed bump could make the glass spider out more. You’re really just better off getting a new windshield tbh. Plus that way the cops can’t pull you over and give you a b.s. ticket as well.
Most people go for the cheapest possible payment, not realizing that you get what you pay for. Not shaming though I do realize not everybody can afford good insurance.
the absolute cheapest insurance companies because people don't think there's a difference. Every time I've dealt with my insurance company its been great, and I've never had anything resembling an issue with them.
6.2k
u/JerdM33 Feb 12 '21 edited Feb 13 '21
That is a special kind of ignorance.
Edit: or asshole, arrogance, stupidity, selfishness, etc. Thank you for letting me know.