I called my insurance compnay and filled a claim, just to see if by any long shot, that they might cover the rear window. Low and behold, I took it in and they were awesome. The lady was very nice that inspected the car. She said that they would have to order the top from Chrysler, and it was covered. Knowing that she could have said no, but bent the rules and said that anything could have hit it or fallen on it, we just dont know why it came apart. So to be fair, it was covered. Only cost me my deductible of $250. Now I m just waiting for the top on backorder. UGH!!

Thought I would pass this on, so others might try this with their insuance compny. I dont want to say who my insurance is, so that this doesn't get back to them and spoil it for me before it gets installed. As soon as it is installed, better believe I will be promoting them for outstanding service.

 

It's stunts like this that keep rates high for every automobile owner. You might consider deleting this post while you have present opportunity.

Just my two cents... no, three cents.

 

and, let us know how long the wait is for the top. Down our way, there's no using the convertible without a workable top (see other post on this forum re: raining in the car while the top is down!)

 

i agree with you dwightdmagee false claims will bring all insurance rates up

 

I'm sorry, but I don't see anything wrong at all with their filing a claim with their insurance company under their Comprehensive policy, and claiming damage that is plainly visible, and was no cause of their own.

They pay the extra money to protect their car from damage, so I don't see why they shouldn't be allowed to make a claim, regardless if its a tree branch that fell on the car, some a-hole walked up and pounded in the rear window, or a slight design defect that magically appeared.

The insurance company decided to cover it.
That what we as owners pay them all the money that we do every year for - cover the losses that occur to the car.

What drives our rates up is people who run up medical bills from a minor fender bender, and those who don't carry any insurance at all, that then run from a wreck they caused.

If the insurance company wanted to cover the damaged top, let them.
Unfortunately, the owner of the car isn't going to get the new top any sooner than anyone else on here.

BC.

 

disagree with you Bladecutter it is a defective top from Chrysler

 

This has nothing to do with the insurance industry, but a whole lot to do with deceit. The car was not damaged.

Surely your daddy raised you better than that.

 

How my parents raised me is NONE of YOUR business.
I can only wonder how you were raised to be making a statement like this in an open forum when there was no previous personal attack pointed in your direction from me.

It is in fact most likely a defective top from Chrysler, and I am not claiming otherwise.
All I am saying is that if the owner of the car decided to try it, that is their prerogative, and I am not going to judge them as harshly as you are for making a claim against their insurance.

Remember, they are the ones that are going to get their insurance rate raised the next time they are up for renewal, if they had a discount for not making claims against their policies.

Don't ever question how my parents raised me, that's not your place.

BC.

 

You're right. Anyone that promotes lying on an open forum needs no help in establishing the consequence of parentage. My apologies.

 

I did not lie to the insurance company. I took it in to see if it might be covered under the glass coverage, as I know here in Florida that the windshield is covered 100% no matter what happened to it 0 deductible. The decided that it was not a glass coverage, but a comp coverage. I told them exactly what happened, as it is usually always garaged. I had it parked in the driveway for 3 days as I was doing work on my motorcycle in the garage. I came out to move the car on the 3rd day and found the rear window laying inside the car. And that is exactly what happened. From there they had the decision to make if they wanted to claim it. The adjuster made the statement that I pay insuance for a reason, and decided it should be covered. I could not have agreed any better.

 

I think the key to this, as an adjuster of many years, is that if you'd have claimed that it was caused by kid or a falling asteroid then that would be a false claim. if youwent in to see if this was covered, and the adjuster decided that they would cover it then so be it. As a professional addjuster i think I can tell the difference between obvious defect and a covered loss, and I will assume they did too, but for customer service decided to help you out.

Dwight though is correct, in that false claims are getting way out of hand, with folks believing that they pay insurance all this time and now they need to get something back. Wrong. And the other comment about rates being high because of the minor accident injury claims is right on too-that has completely killed this industry. basically it's legalized extortion. The lawyers know how much it costs to defend these cases and they run the bills to exorbitant amounts, and the juries are either not smart enough to see through it, or really don't care, thinking erroneously that they're "sticking it to the carriers", so award many times for a minimal case at best.

 

It could be looked at as a weather related incident (too much heat). Not sure the insurance company would buy that. Covering it under the glass policy appears more plausable. At any rate, I'll side with the OP. The insurance company inspected it and it was entirely their decicion.

 

You can put any spin on it that you want to.... Bottom line is.... 1. It was not an act of God or vandalism. 2. It was not due to a collision. 3. YOU KNOW THAT IT IS A DOCUMENTED MATERIAL DEFECT. I would fully support going after Chrysler as an item that should be a recall, but to claim it on your insurance when you know damn well it is a material defect is wrong. With any luck, your insurance company will find out that you have boasted about your ill-gotten gain, and pursue recourse against you. You are probably the type that also looks to litigation at every possible opportunity. For the love of God..... get a conscience.

 

Ohhh.... and you said that you did not lie to the insurance company, but I bet that you were not honest to the point of telling them that you know that this is a material defect.

 

What if he didn't know that a few others had this problem and the insurance company choose to cover it, would you still call it fraud?
Either way, there was an open inspection and it was the insurance company's decision to cover it.
Besides, I don't believe anyone outside this forum is calling it a "material defect".

 

[QUOTE=The Beep]What if he didn't know that a few others had this problem and the insurance company choose to cover it, would you still call it fraud?
What if I didn't know that I needed to change my oil? Should my insurance cover my engine when it blows up? The glue that holds the glass to the top separated. That is a warranty item... not comprehensive or collision. The fact is..... he knew about this defect from this forum, or he would not have posted this. I guess anything can be rationalized with a lack of morality. I guess if your kid accidentally scratched your car with his bike, you could find justification in filing a vandalism claim against your insurance.

 

It's a simple matter of character. You either have it or you don't, but it shows brightly either way.

 

[quote=bmorgan]Nice job avoiding the question. Ever think of running for office? I however will answer yours.

My insurance company will not cover my engine regardless of the oil because it is a maintanence item.

The insurance company didn't know what caused the window to seperate and neither do you. Something caused it other than the glue. The car could sit in a garage for 20 years without the glass seperating.

Again, no one outside of this forum is calling it "defective". That is something you and others have made up on your own.

As far as the kids? I'm very thankful I don't have any because one scratching the car with his bike would be the least of my problems.

btw, I'll stack my "morality" up to anyone's.

 

......"Character, not circumstances, makes the man."

.......Booker T. Washington

 

Now you're plum off-topic and taking personal shots at people...and asking for a visit from the mod's.