Replacement windshields

[Signess]

I feel so lucky that my 5 month old 4runner needs a new windshield after a large rock hit it earlier today.
Anyway, insurance will cover factory OE glass but I will have to pay the $500 deductible. I was quoted $282 from a local shop that would provide Pilkington which I have heard is solid. Other options include FYG, PGW, and PGG. Thoughts and experiences?

 

[Blitzkrieg]

Sorry. Can your clarify - Will your insurance bypass the deductible if you go after market or $500 deductible regardless?

If the latter, 100% OEM. You are gonna take the hit no matter what.

Sorry for the mishap. That shit happens all too often and it sucks.

Edit: And oh yeah, I have had PPG replacement glass in the past and it has always been good stuff in my experience FWIW.

 

[Signess]

Sorry. Can your clarify - Will your insurance bypass the deductible if you go after market or $500 deductible regardless?

If the latter, 100% OEM. You are gonna take the hit no matter what.

Sorry for the mishap. That shit happens all too often and it sucks.

Edit: And oh yeah, I have had PPG replacement glass in the past and it has always been good stuff in my experience FWIW.

Insurance will pay for Toyota glass with the $500 deductible. Or I could just forget about insurance and pay the $282 for equivalent glass that doesn’t have Toyota logo on it....

 

[Blitzkrieg]

Got it.

Were I you, I would go PPG out of pocket and save the hit/black mark on insurance.

Just my .02

 

[Louise]

Check to see if it has the heated windshield feature on the non oem glass

Edit: Your insurance rates don't go up if you make a windshield claim.

 

[Blitzkrieg]

Check to see if it has the heated windshield feature on the non oem glass

Edit: Your insurance rates don't go up if you make a claim.

Oh yes they do my friend. Maybe not with the first claim but most definitely with the second.

Source: Me. My GF's car got hit and ran twice and her insurance went up $230 a year after the second claim.

I would not waste that first claim on something as cheap as a windshield. ;-)

 

[Louise]

Oh yes they do my friend. Maybe not with the first claim but most definitely with the second.

Source: Me. My GF's car got hit and ran twice and her insurance went up $230 a year after the second claim.

I would not waste that first claim on something as cheap as a windshield. ;-)

I had checked with my insurance company and they said that with windshields, they don't affect rates. I'll report back when I have to get another windshield lol.

 

[flyrv9]

I think that's because Insurance companies don't want people to forgo windshield replacement because of a rate increase; and have a safety issue.

 

[nglayton]

Oh yes they do my friend. Maybe not with the first claim but most definitely with the second.

Source: Me. My GF's car got hit and ran twice and her insurance went up $230 a year after the second claim.

I would not waste that first claim on something as cheap as a windshield. ;-)

Two hit and run claims are way different than glass replacement..........It has been my experience that glass will not effect the rates.

I would go with OEM either way. Just know that the same shop will probably install it, because most dealers don't do front windshield glass replacement in house.

 

[mnofpeace]

I had the same thing happen to me...a small rock caused my brand new '14 to have a nice long crack across the lower 1/3....:flame:

a quick ask of the forums had many responses to the weakness of the OEM glass...or perceived weakness anyway...

a few calls, and i found a great local company who came out, replaced it at my home, and they even had the wiper-warmer version. Ive been good for the past 4yrs...on and off road.

 

[SR5Bart]

Insurance should not go up with a windshield claim since its not collision related. Ive spoken to multiple companies and they all say that since its not collision it will not go up.

Also in your case I would go aftermarket as they still should have the heating element in them.

All new Toyotas however that have the safety sense systems need OEM glass replacements because aftermarket glass has a different tint and thickness so the goodies in the mirror don't want to calibrate. Last windshield we did on a 18 Camry cost the guy a little over $1200 between the glass, labor and recalibration (good thing for a $250 deductible he had)

So for anyone waiting on a 19 4Runner just remember if and when you need new glass it has to be OEM since they are getting the safety sense for the 19 model year

 

[1000MPH]

$282 ??? That's a third of what I'm being quoted.

 

[Signess]

$282 ??? That's a third of what I'm being quoted.

Yes, $282 for a new Pilkington windshield. I thought it was a good deal as well.
Are you being quoted Toyota branded glass?

 

[<<<<]

I used PPG in past FYG and Fuyao all crap with distortion along edges. I'd rather pay for OEM next time.

 

[gloveflip]

I had to replace my front glass last summer after eating a rock on the highway. It cost me $100 through Geico to replace it with OEM glass, done in my driveway, with a 1-yr warranty. No increase to my premium.

 

[Blitzkrieg]

Insurance should not go up with a windshield claim since its not collision related. Ive spoken to multiple companies and they all say that since its not collision it will not go up.

Okay, lets assume with a given insurance company(s) a glass claim will not raise your rates because of that claim.

It most definitely goes on your claim history. Which ultimately affects your rates sooner or later. Every interaction you have with an insurance company hits your CLUE file. Even if a dollar is not paid out.

How did I find out about this? Six years ago we had a hail storm. I have a 3 ply shingle roof that is considered one of the most hail damage resistant roofing systems there are outside of concrete tiles and the new sandwiched metal technology (when you live in Colorado these are things you unfortunately become well versed in).

I called my insurer at the time (Allstate) and asked them just to have somebody come out and take a look at it. Think everything is fine, but lets be safe.

He said there are some dents in the framing of your sunlights and vent stacks but roof looks good.

Okay, cool. Not filing a a claim for that.

Two years ago I switched over to State Farm because I could save about $900 a year on all my vehicles and house combined. They looked everything up and told me there is going to be a surcharge because I have a recent hail inquiry. No claim, just an inquiry. They ALL do this.

Here is a great link that explains CLUE. Read it carefully, especially the part about not even filing a claim can affect your rates. It's sort of like a FICO. Hard inquiries on your credit report drop your FICO.

A lot of people don't know about this. I hope a few can learn from it:

https://privacyrights.org/consumer-guides/clue-and-you-how-insurers-size-you