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Re:57% of Americans Have Less Than $1,000 in Savings (2017) by devonkim on Thursday February 08, 2018 @12:07AM (#16330348)
Deductibles are not free on most policies, and not everyone carries comprehensive insurance on their vehicles, especially if they’re worth less than $6000 or so.
Re:57% of Americans Have Less Than $1,000 in Savings (2017) by waterphone on Thursday February 08, 2018 @12:12AM (#16330371)
Windshield coverage on an auto insurance plan generally has no deductible. Chips, cracks and full replacement has always been covered for me with no additional cost beyond the $5 or $10 extra a month to have it on my plan. They negotiated and paid in full for a windshield replacement technician to drive 200 miles round trip to my location a few months ago and do a several hour replacement. Definitely worthwhile in certain areas prone to frequent windshield damage.
Re:57% of Americans Have Less Than $1,000 in Savings (2017) by DrScump on Thursday February 08, 2018 @02:53AM (#16330837)
Windshield repairs are usually free, with insurance paying the full amount, if you use a provider of their choice (in emergency situations, any provider).

Repair saves them a lot of money versus replacement.