Farmers Insurance Cautions Vehicle Owners on Windshield Replacement Scams
National News • August 10, 2004
Driving with a cracked or broken windshield puts both drivers and their passengers at risk.
In fact, insurance companies in some states are required by law to waive the deductible for damaged or ...
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Subject: RE: Glass replacment fraud
Posted On: August 12, 2004, 11:35 am CDT
Posted By: Richard Carter
Comment:
I am a TPA who specializes in Commercial Auto and Truckers first party claims. Upon receiving a bill of $4,291.35 for a windshield replaced in a bus, I deceided to research Florida law and the policy issued pertaining to that claim.
Florida law states: "627.7288 Comprehensive coverage; deductible not to apply to motor vehicle glass.--The deductible provisions of any policy of motor vehicle insurance, delivered or issued in this state by an authorized insurer, providing comprehensive coverage or combined additional coverage shall not be applicable to damage to the windshield of any motor vehicle covered under such policy."
ISO changed this wording on the commercial auto policy under Florida Changes which states:
"A. PHYSICAL DAMAGE COVERAGE is changed as follows:
1.No deductible applies to "loss" to glass used in the windshield"
Since most commercial Auto policies provide Collision and Specified Causes of Loss Coverage (no comprehensive coverage), ISO has broadened the coverage to cover windshields in commercial autos when possibily the underwriters had intended otherwise.
This is costing commercial auto insurers Millions in Florida and possibily other states.
Subject: RE: Glass replacment fraud
Florida law states: "627.7288 Comprehensive coverage; deductible not to apply to motor vehicle glass.--The deductible provisions of any policy of motor vehicle insurance, delivered or issued in this state by an authorized insurer, providing comprehensive coverage or combined additional coverage shall not be applicable to damage to the windshield of any motor vehicle covered under such policy."
ISO changed this wording on the commercial auto policy under Florida Changes which states:
"A. PHYSICAL DAMAGE COVERAGE is changed as follows:
1.No deductible applies to "loss" to glass used in the windshield"
Since most commercial Auto policies provide Collision and Specified Causes of Loss Coverage (no comprehensive coverage), ISO has broadened the coverage to cover windshields in commercial autos when possibily the underwriters had intended otherwise.
This is costing commercial auto insurers Millions in Florida and possibily other states.