Shattered Driver's Side Window

[rocket man]

Okay...So how does it work? I havn't filed a claim on auto ins. since 1982..

I can get the window like I said for my cost for $175... it retails for $264...Mercury Ins. has the policy and a $500 Comp. deductable...The AVIC N-1 I paid $1424 in August 2004(retails $2300) on E-bay. I understand the N1 was superceded by the N-2 and now the N-3. with the N-1 discontinued is the N-3 dash body compatable with the old N-1 components? Mercury pays only up to $1000 on "aftermarket installs". The Camera was just a juicy morsel he found hidden under my cloths on the floor of the back seat, it was bought in May of 07. I have all receipts...

Mercury Insurance wants me to have their glass people do it or I can do it myself and they will credit me with my labor against the deductable for the window install probably $100-$150..There window people will have to give the estimate...So lets say I have $350 for the window. I then pay $150 for the remaining losses? Right??

JAFO mentions fair value...This thief stole this radio probably thinking its just a radio, because the Nav-screen retracks and it looks like a regular radio when the engine is turned off, but he left behind all the goodies that make the thing work..they were still under my seat..hahahaha! So how do they adjust "fair value" when I only need one component and not the "brain"? Also the camera is a Leica/Panasonic Digital I got on E-Bay for $600, 6 months ago and retails for around $800+....so whats "fair value" there???....What I paid? What its worth?, What it costs new retail? ...I guess, simply how do these ins. co's calculate these losses?

[Hotsauce]

If you need the stow away N-3 parts I still have them. As well as the matching XM reciever with a few years service paid up.

John C.

[JAFO]

Okay...So how does it work? I havn't filed a claim on auto ins. since 1982..

I can get the window like I said for my cost for $175... it retails for $264...Mercury Ins. has the policy and a $500 Comp. deductable...The AVIC N-1 I paid $1424 in August 2004(retails $2300) on E-bay. I understand the N1 was superceded by the N-2 and now the N-3. with the N-1 discontinued is the N-3 dash body compatable with the old N-1 components? Mercury pays only up to $1000 on "aftermarket installs". The Camera was just a juicy morsel he found hidden under my cloths on the floor of the back seat, it was bought in May of 07. I have all receipts...

Mercury Insurance wants me to have their glass people do it or I can do it myself and they will credit me with my labor against the deductable for the window install probably $100-$150..There window people will have to give the estimate...So lets say I have $350 for the window. I then pay $150 for the remaining losses? Right??

JAFO mentions fair value...This thief stole this radio probably thinking its just a radio, because the Nav-screen retracks and it looks like a regular radio when the engine is turned off, but he left behind all the goodies that make the thing work..they were still under my seat..hahahaha! So how do they adjust "fair value" when I only need one component and not the "brain"? Also the camera is a Leica/Panasonic Digital I got on E-Bay for $600, 6 months ago and retails for around $800+....so whats "fair value" there???....What I paid? What its worth?, What it costs new retail? ...I guess, simply how do these ins. co's calculate these losses?

By fair value, I just meant keep it real, not hike up the prices above what they can be readily purchased for. On the other hand if parts are not available from the manufacturer, you might have to buy a whole new unit. This could be claimed on the insurance, up to your $1000 aftermarket limit.

It's too late now but for future info if you have more than $1000 in aftermarket equipment you may want to consider increasing the insurance coverage. I think they call them riders.

One thing you may want to look into is if you have Home Owners or Renters insurance items left in your vehicle might be covered.

It's good that they will let you do the install and credit it towards the deductible, that will save you some out of pocket money.

[Kenny]

Make sure it's just the window you need.

I had mine smashed last year and I had to get a new weather strip/glass slide as they mangled it when they used a screwdriver to wedge in between the glass and weatherstrip to start the shatter point.

just FYI.

[rocket man]

Thanks everybody

Well the window estimate approved by the ins. is $333+tx. and $100 labor total= $460. The loss on the radio is $1650 but is capped by my "added on accessory" limit of $1000..total claim to be paid $1460.00...less $500 deductable. I file under homeowners ins for the camera...nothing here.

They will allow me to do my own labor...my cost for the window is $175 so I make up around $300 of my $500 by doing it myself.....I sure hope that window comes with those little mickey mouse plastic "gizmos" that attach the window to the lift mechanism