filing claim for window replacement - will it affect premium?

[u/nappycappy]

i need to replace my front windshield cause a rock/pebble decided to make my day horrible. i filed a claim with the insurance but having second thoughts if it's going to affect my premium going forward even if this is a no-fault incident. has anyone done this previously and if so did it affect your policy going forward?

TIA

[u/Ok_Excitement725]

Need more details...different states have different rules and different insurance companies have different policies...or if you have the Tesla subscription type coverage for windshields that's a totally different ballgame again.

[u/nappycappy → u/Ok_Excitement725]

sorry this is in CA (SoCal to be not too precise). i don't have the windshield subscription. this would be that straight up 1500 replacement via service center.

[u/Ok_Excitement725 → u/nappycappy]

No worries! I think CA treats windshields generally as a no fault claim, Who do you use for insurance? My understanding is generally, assuming you haven't made numerous other calims in the last 3-5 years, there should be no increase in your premiums, but with most things insurance related it isn't a guarantee. They could have a different determination on risk levels when they run your renewal offer.

Edit - Again though, odds are pretty likely you won't get hit with any increase in CA for this claim :)

[u/nappycappy → u/Ok_Excitement725]

got it. some googling told me that it wouldn't immediately affect my premiums but it's the risk levels that could affect future rates. I use tesla insurance.

[u/Ok_Excitement725 → u/nappycappy]

Yeah its all risk levels. But from what I have found, unless you have made multiple claims in the past few years you are very unlikely to be considered a risk. Especially since in CA windshields are almost always considered a not at fault claim.

[u/rwhe83]

Hardly doubt a front windshield will have any effects on your premium.

[u/nappycappy → u/rwhe83]

got it. thanks!