Just found out State Farm will not replace my windshield for free.

[Arbud]

My cars windshield has horrible streaks ground into it by the windshield wiper. Changed wiper blades but did not help at night especially in the rain. Asked my detail guy if he can do anything. He said in Florida All insurance companies will replace windshields like this for free and no deductible.
Well after 3 days and 90 minutes on hold Mrs. State Farm calls me and say they will not because it is wear and tear. So I have a call in to her to see if they will even pay after I pay the deductible. (900 Jaguar windscreen). We will se what this ...... says when she gets back to me.
Meanwhile if the answer is no, does anybody no how to get ground in wiper streaks off of windshields. Thanks, Bud

[retiredguy123]

First of all, there is no way to repair the type of windshield damage you are describing. And, the damage you are describing is covered by your comprehensive insurance after applying the deductible, assuming that you have the entire windshield replaced. Some insurance companies will waive the deductible if the windshield can be repaired, but not replaced. This type of repair involves injecting an epoxy to repair a chip or crack. I think your detail guy is incorrect that all insurance companies will waive the deductible when you have a windshield replaced, regardless of how the windshield was damaged. In fact, I doubt that any insurance company will waive the deductible for a replacement windshield.

[shut the front door]

First of all, there is no way to repair the type of windshield damage you are describing. And, the damage you are describing is covered by your comprehensive insurance after applying the deductible, assuming that you have the entire windshield replaced. Some insurance companies will waive the deductible if the windshield can be repaired, but not replaced. This type of repair involves injecting an epoxy to repair a chip or crack. I think your detail guy is incorrect that all insurance companies will waive the deductible when you have a windshield replaced, regardless of how the windshield was damaged. In fact, I doubt that any insurance company will waive the deductible for a replacement windshield.

In FL, insurance companies are required to replace a cracked windshield without a deductible if the driver has comprehensive auto insurance. Cracked being the key word. They won't replace a windshield for streaks.

[Topspinmo]

Speaking of wiper blades I just replaced mine with this brand “motium “ easy and cheap better than original equivalent IMO.

Amazon.com (https://www.amazon.com/MOTIUM-QUALITY-All-Season-Windshield-Warranty/dp/B07C3JQ9KF/ref=sr_1_1_sspa?dib=eyJ2IjoiMSJ9.5SjquKNNuLm8_f9oF gB1Vtl1LUqZ6GS1gXeVlZHRZEiPid61owHVdYCbdZV_9CZ9eTw 0wWXNNm35ksblc9AlmPeEANhSufORP5DJRPuYu-FpmKlZ0rHgANSFs_tBF2qxDUAMLd7rA5t5ghBsSSnb47Ra9gBf uw7gaqGoWttXeGLC6BA_uHVLfOeUa1_Gy2lUOFs7SZBjZa_F8P S0n5p01amAE6PaFsKwp9iWnJZkydg.6bFT_GXk1x25vUVOdST_ ZrX7z854giknuzw9j8m6Qt8&dib_tag=se&hvadid=694564944646&hvdev=c&hvexpln=67&hvlocphy=9011519&hvnetw=g&hvocijid=4994505808375702141--&hvqmt=e&hvrand=4994505808375702141&hvtargid=kwd-656714714825&hydadcr=5712_13276482&keywords=motium%2Bwiper%2Bblades&mcid=392d212feeb43b80916dee4acb6fec5c&qid=1754342759&sr=8-1-spons&sp_csd=d2lkZ2V0TmFtZT1zcF9hdGY&th=1)

[Kenswing]

In FL, insurance companies are required to replace a cracked windshield without a deductible if the driver has comprehensive auto insurance. Cracked being the key word. They won't replace a windshield for streaks.

Get out the hammer. :1rotfl:

[Ruger2506]

My cars windshield has horrible streaks ground into it by the windshield wiper. Changed wiper blades but did not help at night especially in the rain. Asked my detail guy if he can do anything. He said in Florida All insurance companies will replace windshields like this for free and no deductible.
Well after 3 days and 90 minutes on hold Mrs. State Farm calls me and say they will not because it is wear and tear. So I have a call in to her to see if they will even pay after I pay the deductible. (900 Jaguar windscreen). We will se what this ...... says when she gets back to me.
Meanwhile if the answer is no, does anybody no how to get ground in wiper streaks off of windshields. Thanks, Bud

Throw a rock at it and claim it was a rock kicked up from a semi or dump truck

[BrianL99]

So I have a call in to her to see if they will even pay after I pay the deductible. (900 Jaguar windscreen). We will se what this ...... says when she gets back to me.
Meanwhile if the answer is no, does anybody no how to get ground in wiper streaks off of windshields. Thanks, Bud


I don't know what year or model Jaguar you're talking about, but 2 years ago, I had the windshield replaced in my 2011 Jaguar XK, for about $325. Not an expensive windshield.

[Michael G.]

The way Insurance Co's today handle insurance claims and raising
premiums, I would replace that windshield myself without a claim,
and save a claim for something that cost more.

[CarlR33]

Get out the hammer. :1rotfl:Follow a truck hauling gravel for a few miles.

[retiredguy123]

Apparently, several posters on this thread are recommending that the OP commit insurance fraud.

[Bill14564]

Apparently, several posters on this thread are recommending that the OP commit insurance fraud.

I'm not even a little bit surprised.

[tophcfa]

Get out the hammer. :1rotfl:

Or a 7 iron.

[Aces4]

Apparently, several posters on this thread are recommending that the OP commit insurance fraud.

Nice, isn't it? And many are the same people who have disdain for renters but have no integrity themselves.:ohdear:

[Kenswing]

Apparently, several posters on this thread are recommending that the OP commit insurance fraud.

And some people can’t take a joke. I used a laughing emoji hoping not to trigger some people.

[Ruger2506]

Apparently, several posters on this thread are recommending that the OP commit insurance fraud.
They steal from us. What's the difference?

oh yeah....JK

[OrangeBlossomBaby]

My cars windshield has horrible streaks ground into it by the windshield wiper. Changed wiper blades but did not help at night especially in the rain. Asked my detail guy if he can do anything. He said in Florida All insurance companies will replace windshields like this for free and no deductible.
Well after 3 days and 90 minutes on hold Mrs. State Farm calls me and say they will not because it is wear and tear. So I have a call in to her to see if they will even pay after I pay the deductible. (900 Jaguar windscreen). We will se what this ...... says when she gets back to me.
Meanwhile if the answer is no, does anybody no how to get ground in wiper streaks off of windshields. Thanks, Bud

So, you didn't read your insurance policy details to find out about windshield coverage. Instead, you called your company and TOLD them it was due to streaks caused by your wipers. Which is wear and tear, not covered by insurance at all.

So now, even if you wanted to commit fraud and intentionally damage your windshield to get coverage, well the company has a record of you trying to get it replaced. They'll peg you for a fraud the second you try to submit a claim now.

Meanwhile, your deductible is $900. A windshield on a Jaguar sedan/saloon is under $500. Just get a new windshield, save yourself the trouble and headache. They can do it right in your driveway, or pretty much anywhere. I saw some guy getting his replaced in the parking lot outside Publix a few days ago.

[CoachKandSportsguy]

yeah, scratches vs cracks, . . cracks are pretty standard replacements under comprehensive, with additional payment for custom windshields. . custom meaning any source which is not the insurance company minimum. . I had a crack last winter driving home either a rock or a temperature issue, and went with a Ford windshield instead of the commodity windshield, and had to pay the difference.

Not sure I would expect windshield scratches to get a free windshield, especially if it's caused by the wipers. . I don't expect free unless the scenario is explicitly covered in the policy.

YPMV

[villagetinker]

I have seen glass polishing kits (products), but I am sure you are in for a lot of work. I have diamond polishing pads that go to 10,000 grit, and have used these to polish stone counter tops, no idea if this would work for a windshield.
I agree with a previous comment, call a couple of windshield shops and get at least 2 estimates and have them do it.

[Bitsee]

Try America Auto Salvage yard on 27/441 in Fruitland Park.

We had 2 windshields replaced there on our vehicles for $150 less than the other quotes that we received from the local auto shops.

The trick is getting one in the yard to match up , we were lucky.

[tophcfa]

Back in the day I commuted to work between Northampton, MA and Hartford, CT for almost 30 years. During my daily 100 mile round trip commute I put over 300 thousand miles on my trusty Acura, and the windshield was so dinged up with spray from the crap they put in the road during the winter it was very dangerous to drive the car at night with the refraction from headlights coming in the other direction. Talk about a risk to my insurance company, who refused to replace a completely dinged up windshield. After a quick swift hit with a seven iron, they gladly paid for a new windshield. It very well might have saved them a much larger claim because of an accident caused by lack of visibility. The ironic part was that a couple weeks later a truck kicked up a rock that put a huge crack in the brand new windshield, which they covered again. Insurance company karma at its best?

[Jayhawk]

Back in the day I commuted to work between Northampton, MA and Hartford, CT for almost 30 years. During my daily 100 mile round trip commute I put over 300 thousand miles on my trusty Acura, and the windshield was so dinged up with spray from the crap they put in the road during the winter it was very dangerous to drive the car at night with the refraction from headlights coming in the other direction. Talk about a risk to my insurance company, who refused to replace a completely dinged up windshield. After a quick swift hit with a seven iron, they gladly paid for a new windshield. It very well might have saved them a much larger claim because of an accident caused by lack of visibility. The ironic part was that a couple weeks later a truck kicked up a rock that put a huge crack in the brand new windshield, which they covered again. Insurance company karma at its best?

Not a lot of honest cheaters in the world.
:ho:

[asianthree]

Claim has been reported as damaged windshield. So no changing story now.

Windows are covered under your comprehensive clause of policy. Not sure why some think you have a $900 deductible on comprehensive, but if you do you need a new insurance agent.

Technically the damage isn’t wear and tear, its accidental damage to the car. Most will cover the damage, usually the unlicensed phone jockey has no idea about policies. One needs to speak directly with claim advisor who would make determinations on window damage.

[Arbud]

Did speak to the one that make the decisions. She read the paragraph which said no wear and tear replacement. I have 500 deductible not 900. 900 was a quote from Safelite. If I can find a Jaguar XJ windshield replaced for under 500 I guess I will do that.

[thevillages2013]

Speaking of wiper blades I just replaced mine with this brand “motium “ easy and cheap better than original equivalent IMO.

Amazon.com (https://www.amazon.com/MOTIUM-QUALITY-All-Season-Windshield-Warranty/dp/B07C3JQ9KF/ref=sr_1_1_sspa?dib=eyJ2IjoiMSJ9.5SjquKNNuLm8_f9oF gB1Vtl1LUqZ6GS1gXeVlZHRZEiPid61owHVdYCbdZV_9CZ9eTw 0wWXNNm35ksblc9AlmPeEANhSufORP5DJRPuYu-FpmKlZ0rHgANSFs_tBF2qxDUAMLd7rA5t5ghBsSSnb47Ra9gBf uw7gaqGoWttXeGLC6BA_uHVLfOeUa1_Gy2lUOFs7SZBjZa_F8P S0n5p01amAE6PaFsKwp9iWnJZkydg.6bFT_GXk1x25vUVOdST_ ZrX7z854giknuzw9j8m6Qt8&dib_tag=se&hvadid=694564944646&hvdev=c&hvexpln=67&hvlocphy=9011519&hvnetw=g&hvocijid=4994505808375702141--&hvqmt=e&hvrand=4994505808375702141&hvtargid=kwd-656714714825&hydadcr=5712_13276482&keywords=motium%2Bwiper%2Bblades&mcid=392d212feeb43b80916dee4acb6fec5c&qid=1754342759&sr=8-1-spons&sp_csd=d2lkZ2V0TmFtZT1zcF9hdGY&th=1)

Thanks for that suggestion I just ordered a pair for the Ridgeline ( obviously different size than yours) .

[thevillages2013]

Back in the day I commuted to work between Northampton, MA and Hartford, CT for almost 30 years. During my daily 100 mile round trip commute I put over 300 thousand miles on my trusty Acura, and the windshield was so dinged up with spray from the crap they put in the road during the winter it was very dangerous to drive the car at night with the refraction from headlights coming in the other direction. Talk about a risk to my insurance company, who refused to replace a completely dinged up windshield. After a quick swift hit with a seven iron, they gladly paid for a new windshield. It very well might have saved them a much larger claim because of an accident caused by lack of visibility. The ironic part was that a couple weeks later a truck kicked up a rock that put a huge crack in the brand new windshield, which they covered again. Insurance company karma at its best?

Hmmm, seven iron. Isn’t that the club Tiger’s ex used on his windshield?

[USOTR]

This damage to your windshield was caused by lack of maintenance, and not by a rock or other incident. Therefore, it is not covered by insurance.

[Boffin]

Either polish it out yourself or have it done by someone else.

[retiredguy123]

Either polish it out yourself or have it done by someone else.
I have never been successful trying to polish even tiny scratches from a glass windshield.

[Minoletti]

In FL, insurance companies are required to replace a cracked windshield without a deductible if the driver has comprehensive auto insurance. Cracked being the key word. They won't replace a windshield for streaks.

simple work around all you need is a hammer

[nn0wheremann]

My cars windshield has horrible streaks ground into it by the windshield wiper. Changed wiper blades but did not help at night especially in the rain. Asked my detail guy if he can do anything. He said in Florida All insurance companies will replace windshields like this for free and no deductible.
Well after 3 days and 90 minutes on hold Mrs. State Farm calls me and say they will not because it is wear and tear. So I have a call in to her to see if they will even pay after I pay the deductible. (900 Jaguar windscreen). We will se what this ...... says when she gets back to me.
Meanwhile if the answer is no, does anybody no how to get ground in wiper streaks off of windshields. Thanks, Bud
Throw a brick at it, and report a cracked windshield. Of find a friendly gravel truck and follow closely.

[Mrmean58]

Apparently, several posters on this thread are recommending that the OP commit insurance fraud.

Yep. The same crowd that submitted fake wind damage claims so they could get a "free" roof replacement.

[PoolBrews]

The type of damage described is caused by a wiper blade going bad - the rubber portion actually comes off or moves enough so that the metal arm is in contact with the windshield - and then continuing to run the wipers even though they are scratching a groove in the glass. This is not accidental, and the root cause is a combination of a blade going bad AND the end user continuing to use the wipers.

Why would insurance pay for this in any way?

[charles_2000]

I'll throw in my somewhat realted experience with this.

1. State Farm became horrible at paying any claim on anything. (Roof expecially)

2. Safelite has a "Insurance replacement cost and a cash replacement cost. Cash price was cheaper....

[ThirdOfFive]

Yep. The same crowd that submitted fake wind damage claims so they could get a "free" roof replacement.
There's a fighting chance that several of those posters were doing so tongue-in-cheek.

Nevertheless though...wouldn't expecting an insurance company to replace a windshield because of wear and tear (especially as the damage could have been prevented by the owner merely replacing the wiper blades) about the same thing as expecting an insurance company to pay for a new paint job because the owner parked it in the sun instead of under a shelter? Insurance companies are not responsible for the poor judgment of the owner.

[retired guy]

You described normal wear, I side with the insurance co. They don't insure normal wear.
Replace the windshield , & enjoy the clear view.

[Topspinmo]

Thanks for that suggestion I just ordered a pair for the Ridgeline ( obviously different size than yours) .

Fit perfectly on my Honda accord. I usually just get original rubber replacements but, they usually streak.. blade frame bowed so rubber lays flat all cross windshield when in motion. Work great on my vehicle.

[merrymini]

Assume these same fraudsters got a new roof too.

[OrangeBlossomBaby]

The type of damage described is caused by a wiper blade going bad - the rubber portion actually comes off or moves enough so that the metal arm is in contact with the windshield - and then continuing to run the wipers even though they are scratching a groove in the glass. This is not accidental, and the root cause is a combination of a blade going bad AND the end user continuing to use the wipers.

Why would insurance pay for this in any way?

Nope.

[ron32162]

It maybe "free" but not so much after you have a claim listed on your record through State Farm. I found that out myself. This time I paid for it myself less than 400 dollars . A lot of turnpike travel and flying pebbles cause a lot of small cracks.

[Rodneysblue]

My cars windshield has horrible streaks ground into it by the windshield wiper. Changed wiper blades but did not help at night especially in the rain. Asked my detail guy if he can do anything. He said in Florida All insurance companies will replace windshields like this for free and no deductible.
Well after 3 days and 90 minutes on hold Mrs. State Farm calls me and say they will not because it is wear and tear. So I have a call in to her to see if they will even pay after I pay the deductible. (900 Jaguar windscreen). We will se what this ...... says when she gets back to me.
Meanwhile if the answer is no, does anybody no how to get ground in wiper streaks off of windshields. Thanks, Bud

You were on hold for three days and 90 minutes. I would’ve hung up after a half hour.

[Michael G.]

Assume these same fraudsters got a new roof too.

Is that ship still in port??

[FredMitchell]

Insurance fraud is a felony offense (not civil offense) in Florida. Has anyone else sent a link to this thread to law enforcement?

[jimmy o]

First of all, there is no way to repair the type of windshield damage you are describing. And, the damage you are describing is covered by your comprehensive insurance after applying the deductible, assuming that you have the entire windshield replaced. Some insurance companies will waive the deductible if the windshield can be repaired, but not replaced. This type of repair involves injecting an epoxy to repair a chip or crack. I think your detail guy is incorrect that all insurance companies will waive the deductible when you have a windshield replaced, regardless of how the windshield was damaged. In fact, I doubt that any insurance company will waive the deductible for a replacement windshield.
Insurance covers damage from road debris, hail, vandalism etc, but not wear and tear. Wiping windows with damaged or dirty wiper blades is neglect and falls under wear and tear. Thus no coverage.

[Arbud]

ok thanks guys. yes wife goes to work early and probably uses the wipers the whole 25 minute drive. With no rain just dew. Am sure that is what happened. will not be committing fraud. Hopefully will find an inexpensive windshield. Was on the phone at different times over 3 days for 90 minutes

[Aces4]

ok thanks guys. yes wife goes to work early and probably uses the wipers the whole 25 minute drive. With no rain just dew. Am sure that is what happened. will not be committing fraud. Hopefully will find an inexpensive windshield. Was on the phone at different times over 3 days for 90 minutes

Good luck and classy decision to handle the issue.:BigApplause:

[wsachs]

My cars windshield has horrible streaks ground into it by the windshield wiper. Changed wiper blades but did not help at night especially in the rain. Asked my detail guy if he can do anything. He said in Florida All insurance companies will replace windshields like this for free and no deductible.
Well after 3 days and 90 minutes on hold Mrs. State Farm calls me and say they will not because it is wear and tear. So I have a call in to her to see if they will even pay after I pay the deductible. (900 Jaguar windscreen). We will se what this ...... says when she gets back to me.
Meanwhile if the answer is no, does anybody no how to get ground in wiper streaks off of windshields. Thanks, Bud

Use a slingshot with marble!

[Notsocrates]

Florida law is notable for its provision regarding windshield repair and replacement. Florida Statute 627.7288 states that if you have comprehensive or combined additional insurance coverage, the deductible provisions of your policy do not apply to damage to the windshield.

There is no "wear and tear" exception. It's bogus.

[Donegalkid]

My cars windshield has horrible streaks ground into it by the windshield wiper. Changed wiper blades but did not help at night especially in the rain. Asked my detail guy if he can do anything. He said in Florida All insurance companies will replace windshields like this for free and no deductible.
Well after 3 days and 90 minutes on hold Mrs. State Farm calls me and say they will not because it is wear and tear. So I have a call in to her to see if they will even pay after I pay the deductible. (900 Jaguar windscreen). We will se what this ...... says when she gets back to me.
Meanwhile if the answer is no, does anybody no how to get ground in wiper streaks off of windshields. Thanks, Bud

Answer to your question: the scratches and streaks from the wiper blade can be buffed out — carefully — with a powered buffer and the appropriate solution. It’s a messy job and one needs to be careful as taking too much glass off the windshield can distort the view through the windshield. I recently did this job to a car I was restoring. Came out near perfect removing rather deep scratches. Bonus was it also removed all the minor pits in that part of the windshield. Google the job for additional tips if you are up for it. Good luck!

[Switter]

Not that this completely relevant to the conversation but the reason it is recommended to replace a windshield with a crack or chip (which can turn into a crack) is not cosmetic, it's safety. A cracked windshield has less structural integrity.

[midiwiz]

My cars windshield has horrible streaks ground into it by the windshield wiper. Changed wiper blades but did not help at night especially in the rain. Asked my detail guy if he can do anything. He said in Florida All insurance companies will replace windshields like this for free and no deductible.
Well after 3 days and 90 minutes on hold Mrs. State Farm calls me and say they will not because it is wear and tear. So I have a call in to her to see if they will even pay after I pay the deductible. (900 Jaguar windscreen). We will se what this ...... says when she gets back to me.
Meanwhile if the answer is no, does anybody no how to get ground in wiper streaks off of windshields. Thanks, Bud


Apparently you haven't learned, this is Florida, meaning I don't ask "my detail guy" "the store clerk" "the bank teller" etc. They know nothing. Simple fact of the matter is - SF is correct, HOW the windshield got that way is pretty much my real question as if the wipers were maintained it shouldn't happen.

So here's your fix, wait a month, throw a rock at the windshield, tell them it happened on 75 and it's replaced for free.

[Jayhawk]

Apparently you haven't learned, this is Florida, meaning I don't ask "my detail guy" "the store clerk" "the bank teller" etc. They know nothing. Simple fact of the matter is - SF is correct, HOW the windshield got that way is pretty much my real question as if the wipers were maintained it shouldn't happen.

So here's your fix, wait a month, throw a rock at the windshield, tell them it happened on 75 and it's replaced for free.

Oxymoron. Really? There is no such thing as an honest lie.

[Freehiker]

3M makes a great polish that works like a charm. It removes streaks, water stains….etc.