Hey gang,
We had a side window break in storage and we have glass coverage for the bus. Called Peninsula and they want $454 for a dual pane slider and it's another $260 for shipping. I'm feeling kinda sheepish about going to my insurance company and asking for $700 for one window. Any thoughts or alternatives?
I get that these things aren't free but that is a lot of money for one window. I did this 4 years ago and it was around 400 complete with shipping.
Oh well... I guess that's why they have insurance. Anybody know what MCI is getting for stock 9 windows?
Rick
Hey all,
Made a call to a company called next level coaches and something seemed fishy. Went to google to do a little sleuthing and sure enough that Sam Walker is still around.
I think they are incapable of being straightforward and honest. Just goes to show you a pretty website does not necessarily adequately represent the folks we all do business with.
Rick
They are the best. The shipping packaging is incredible. Don't feel bad about the claim. As far as the insurance company goes a claim is a claim. If it were me I would just pay it out of pocket and save the claim history for when you really need it.
Don & Sheila
Last window I bought for my house was more than that, and it was a simple vinyl sash window. I think they are cheap for what you get, if you happen to want a top quality window that fits the stock opening perfectly. Some people don't want that, they want square RV windows.
Brian
If you still have your original windows, I have the plastic out of mine. I scrapped the frames, but you could fairly easily remove your broken piece, and reuse the
rubber around it to put in one of my plastics.
let me know if this is of interest. You know where I am.
There is a lot of buzz lately about insurance companies first requiring owners to report all "incidents", at fault or not, results in a claim or not. Then, even with no claim and no money paid by any insurance company let alone them, they increase rates based on increased risk. The even keep track of if you call to ask what your deductible is, or if you get a windshield replaced from a stone. Rates go up. Have two claims in two years, all of a sudden you can't get insurance for any price. The last thing I would do is claim a $700 window. I would just man up and pay, and pretend it never happened.
Brian
Yep Brian's right, a few years back a driver cut a turn to short and the tanker nailed the front of a Buick, I paid out of pocket and know if I would have turned it in I would still be paying for it through higher premiums. Suck it up is my advice and get out your checkbook
Suck it up may well be,
but I have been in Rv Parks and have seen a lot of windshields replaced in very high $ motor homes them windshields ain't cheap. I would think the insurance companies would be canceling a lot of policies.
Just my .02 worth.
I had some vandalism happen to my bus, and all 5 side windows, D windows and driver/passenger windows broken. Insurance covered the cost for all 9 windows from peninsula/motion windows without hesitation. $5500 shipped to my door.
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I've had four bus windshields replaced at no cost to me under my full glass coverage at a cost of over $5,000 to my insurance. Dina windshields are very labor intensive to replace. My bus insurance hasn't gone up that I can tell. My homeowner's has gone through the roof yet I have never had a claim. (Both right and left windshields replaced due to delamination. Right replaced due to rock and right replaced again due to hitting goose.)
First off Brian my idea of "man up" in this situation is actually making a company provide a service i paid them for not sulking away because I'm afraid of what they might do to me if I submit a claim for glass that I have paid them extra to provide. Geesh that rubbed me the wrong way, I may be misreading your intent but I almost got a little shut up and take the ridiculously high prices and while I'm at it bow down to people that I pay thousands of dollars to provide a service. I'm not buying that argument at all. If 10,000 dollars to replace all the windows in buses that are worth 20-25k seems like math that folks are comfortable with that's your opinion and your certainly entitled to it but if you would have told me I'd see the day when glass for a bus would cost what a complete rebuilt 8v92 costed when I bought the bus 8 years ago I would've thought you were nuts. $700 for a window delivered is only eclipsed by the fact that MCI wants the same price just for the glass delivered. Please refrain from informing how fair a price that is in today's conversion market. Sorry, but this kinda got my goat, feels like the little guy (Peninsula) took a page from the big guy's (big oil) playbook. I will not be paying this bill my grateful insurance agents company will.
RB
I tend to agree with you on this one, Rick. In MN, insurance companies are required to provide full glass coverage on comprehensive insurance. I have had 3 or 4 windshields put in my bus, and as many in my other vehicles. My rates fluctuate but I've never see them go up because of those claims. Maybe they're hiding the increases in other things, as overall, my rates have increased over the years. But, that's why we pay for the insurance, and the rates certainly factor that in, so I say use it when you need it.
Did you check Storm Tite windows? I doubt they'll be any cheaper, but I think they are better windows than Penninsula, although Penninsula may be a better fit for the existing hole.
Didn't mean to rub you the wrong way, just passing on lessons learned. Yes, you are paying for a service from the insurance company but some - not all - are canceling policies or raising rates on the basis of risk. I know a person who claimed, completely legitimately, for two small to medium home repairs, around $500 each, and had their insurance cancelled. I had my home insurance canceled because I have two heating oil tanks on my property. The fact that they had been there for years and were fully documented on the policy was irrelevant, they canceled on the basis of increased risk. Why? Because of an increase in people cutting off the copper in-pipe to sell and letting the contents run out on the ground, and the $200K to $500K remediation cost. I am a firm believer in taking care of my own business and saving the insurance for a write-off, or a liability claim, where the financial loss outweighs the risk of getting them involved.
Just my opinion, obviously.
Brian,
No harm no foul... I was the guy who said he felt sheepish about turning in the claim after all. Sorry for getting my hackles up.
Since the glass alone from MCI is almost identical in price to the peninsula slider (I'm thinking the folks at Peninsula know exactly how much MCI replacement glass is, smart guys, you gotta hand it to 'em, who wouldn't go with their product tab the same price?) We've decided to order a Peninsula slider.
Thanks for your input gents and have a great day!
RB
I have had several comprehensive insurance claims over the years and have never had a related rate increase. Collision or liability is a different story. Once a hit and run driver smacked into my wife's car. They would not cover it under uninsured motorist since we could not prove that the perp had no insurance. They paid it as collision and raised the rates. I have even had windshields replaced due to sand pitting, which happens here in the desert, and it has not effected rates.
In California you just call your Insurance company and tell them you have a crack or pitted window in your car and they send out someone to repair or replace it within days. No raised rates or questions asked. They told me it was more cost effective than your windshield breaking while you are driving and causing an expensive accident. also if they raise your rates for something that is supposed to be covered in your policy or for no apparent reason then you can report it to your local state insurance commissioner to investigate and 9 times out of 10 they will reverse their decision. Thats what the commissioner is there for, and people don't use them and the insurance companies know that.
In Florida, FL plates and insurance all glass is zero deductible, apparently the law.
Look up SUN COAST RV. on the web.They are a Florida company that folks tell me can do wonders with glass with out cleaning your wallet.
It seems a few of you have had good luck with your insurance taking care of several claims with no appreciable rate increase.
How about sharing the name of your insurance company?
I've had at least five comp claims in the past decade and no increases in auto costs that I can tell. four windshields for the bus and a tree fell on my car.
Insurance company is called Secura, but I just switched to West Bend in December and saved at least 15%. A lot of the savings is because the liability is taken off the bus for most of the year. That was something I didn't/couldn't do with Secura.
I've priced windows and for quality dual panes custom and new if you get them for less than 800 a window with shipping you are doing pretty good. Size matters :)
-Sean
That would be nice to take the insurance off when not in use here in Az it's a PITA you have to do it through the DMV with a out of service form then go back and spend hours putting in back in service
Hi, Cliff.
I don't know how you got so unlucky. We fill out an on-line form to deinsure, then call the agent to suspend the insurance. When we want to use the vehicle, I call the agent and it takes less than a minute to restore coverage.
I don't know if it makes any difference, but we insure through State Farm. Also, Doreen tells me that it makes a difference if your browser can save the information that you type in.
For what it's worth.
Tom Caffrey