Insurance Idiocy

An errant rock, thrown up by a truck on Route 80 in Berkeley , broke my windshield and has launched me into the Alice and Wonderland world of auto insurance.

Replacing the windshield at the local Toyota dealership will cost about $1,000. Replacing it with non-factory parts will cost about $300.

With a $250 comprehensive deductible, the obvious choice would be to make the claim, and let my insurer, State Farm,  pay. So when I call my local agent, where I have done business for over 15 years and never had a claim on my house or either car, I explain the economic incentive, and ask if there’s anything he can do to at least reward me for for doing the right thing and having the glass replaced at the lower cost.

The reaction: silence, … and more silence.

“I’m saving you $750 and there is absolutely nothing you can do about the $2500 in premiums I pay every  year for two cars and a home?” I ask.

“No, nothing,” is the only response.

If you wonder, why people are frustrated with insurance companies, and banks, there’s your answer. I don’t have time to to add more I’m off to the Toyota dealership.

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