Rock Chip Claims in Conroe, TX

Do Rock Chip Claims Increase My Insurance Premiums in Texas?

Our Insurance Agency Weighs In.

Rock Chip Claims in Conroe, TXWe’ve all seen the tents around claiming, “Free rock chip repair!” but clearly there is a hidden cost somewhere. Sure, the insurance companies will pay the people at the tent to inject an epoxy into the chip in hopes that it doesn’t run and turn into a non-repairable crack. After all, the insurance company clearly sees that $40 is better than the $250 to have the windshield replaced.

So the question is: Can a rock chip claim impact my insurance rates? Short answer is yes, it is possible.

Depending on your insurance company you may upset a delicate balance of claims loss. Most insurance companies use rating factors into their algorithms such as age, zip code and certainly previous losses. Some insurance companies claim that people who turn in multiple glass claims have an overall higher loss rate and cost them more money in future claims. Furthermore, it depends on how many claims you have over a certain period of time. For instance, if you file a theft claim, then you have a rock chip claim the next week, this may flag your policy for filing too many insurance claims over a certain period of time generating a rate increase. This happens because when you stop at a rock chip repair tent they will ask you for your policy number and turn in an insurance claim so they can get paid (if you have comprehensive insurance).

Not all insurance companies do this and telling which ones do and which ones don’t can be very difficult. Trust your local insurance agent to place you in the best place for your insurance needs. If you’re a heavy commuter and typically need a new windshield every year, perhaps your agent can determine what company they offer that is a bit more lenient about this than others. Some companies even offer zero deductible glass replacement. Regardless of your situation, always discuss your insurance options with your licensed insurance agent.

If you have questions about your home, auto, or motorcycle insurance, call us at Haley Insurance. We have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. We live where you do and are an independent insurance agent, so we can help you find the right company to fit your needs. Check out our website, 24/7.

Fall Motorcycle Ride

Looking for an Excuse to Take a Roadtrip before Winter?

Fall Motorcycle Ride5 Reasons to Enjoy a Fall Motorcycle Ride

What’s that’s smell in the air? Ah, yes… it is the smell of fall. With fall comes some great cooler weather and some terrific opportunities to get out on your motorcycle.

Here are our top reasons to get your bike out and enjoy a fall day trip.

  1. Fall provides amazing colors, temperatures but shorter days. Get up early to make the most of your day as fall days can be up to four hours of daylight shorter depending on where you are.
  2. Cooler temperatures means you can wear those new leathers you got yourself during summer clearance. Pull the new gear out, pack yourself a lunch and head off into the morning sun.
  3. You can take a longer ride. With cooler temperatures in the air, you can spend all day out in the sun and not worry about getting dehydrated or simply worn out by the heat.
  4. Visit national parks. The national parks are a beautiful place to take a ride in the fall. But be on the lookout as animals are more active in the fall than in the summer. Here is a link to our national parks.
  5. Let’s be honest… It’s amazing how many riders put their bikes “away” in the fall, isn’t it? That does leave the roads to us more (pun) “seasoned riders”.

So, be safe, pack a blanket, some snacks and a camera and get out there and enjoy the fall weather! Remember when winter does arrive, keep you bike insured. Many claims happen in the off-season.