Insurance Question

[CON VERT]

Blew out the rear window of the vert, my fault, had a clip on the top of the rear seat to hold a blanket on for the dog, and it caught while letting the top down, BOOM , shattered rear window, insured with Lant (Hagerty) , reading the policy it says no deductible for glass ? looks like its not going to be cheap ? if I cannot find a used one, $400 give or take for a new glass + install etc = ?? guess it will be close to a grand by the time a shop gets finished with it !
Question, will they raise my rates for being an idiot ! LOL , anyone ever claimed glass on your policy , or should I bit the bullet and pay out of pocket ?

BTW ~ been with Lant 15+ years now , never had a claim !

[ZR]

I pay out of pocket for anything under 5k.

[55 HD]

Agree with above. Pay out of pocket for this small claim. In most insurance instances a claim is a claim (flag) on your policy, amounts paid out by them really doesn't change your record. JMO

[ZR]

Frequency of claims is very real.

[FABMAN]

Honestly do put it through insurance. Really not worth it in the end as they will find a way to get it back.