[masraum]

Originally Posted by Scott Douglas

If the star is in the sweep of the wipers your comprehensive insurance may cover having the windshield replaced. Cost would depend on your deductible.
I learned the hard way to always have $0 deductible on comp when I ended up having to replace a windshield in our station wagon once. That $350 would have bought a lot of $0 deductible.

But whether you want to make an ins claim for a windshield probably depends upon where you live and your insurance. I've heard (here on the board) that there are places where insurance will mostly just replace your windshield and it's no big deal.

Years ago, I called our insurance and they said "it doesnt' work like that here in Texas." But then they said that they'll cover having cracks/stars fixed. So we did that, both of our cars had multiple stars/cracks/spots, so we took them to a place. I think the total was something like 125 for one car and 150 for the other car. We turned in the claim and they paid it. As Paul Harvey would say "and NOW for the rest of the story..."

We then had another claim (I don't remember what) that same year, I think due to one of the kids. The next time our ins was up for renewal, they cancelled us for "3 claims in a 1 year period."

Saving the $275, just wasn't worth the hassle of switching insurance.