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We got an insurance policy with a new company which is set to take effect the day after our current one with another company expires which is at the end of this month. Last weekend, the windshield of our Class A got a crack. I called our current insurance company and they told me that a new windshield will be shipped by one of their accredited dealers here and it will be installed by the end of next week. Thing is, I just got a call today from the dealer that the windshield that is being shipped broke while in transit. They told me that they will be able to ship another one, but it won't arrive to the repair shop until the end of this month.
My question is, if it doesn't arrive before our current insurance policy expires, is our current insurance company still liable to pay the bill considering that the delay is something beyond my control? Would appreciate your inputs on this on how I would go about this since this is the first time I've ever filed a claim.
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| Re: Insurance Claim Question |
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| They are supposed to still cover it. As you mentioned, the delay was something that was beyond your control. Of course, insurance companies will always try to get around those things. Best to get as much paperwork as possible, especially from the dealer so that you got something to back up that the delay was not your fault, but the dealer. |
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| Re: Insurance Claim Question |
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| Call your current insurance company and advice them of the delay in the delivery of the windshield. Chances are, they may need some form of documentation coming from their accredited dealer so make sure that you try to get some form of documentation from the dealer regarding the delay. |
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| Re: Insurance Claim Question |
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| We actually experienced something similar to this a few years back. But it was more of a repair than replacement. For some reason, the repair store was taking quite a long time to fix it. Long story short, they ended up finishing this after we already finished our contract with the previous company we were with. It was a good thing my husband was quite persistent to say the least when it came for follow ups and checking on them and asking documentations about the updates. At first the company didn't want to shoulder the entire thing (they only wanted to cover it until the end of the contract). But after showing that this was a problem with their accredited repair shop, and much contesting, we eventually managed to get them to pay the entire thing. |
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