A few weeks ago, I was walking out the door to go to work when I saw something that stopped me dead in my tracks.
A thunderstorm had passed in the night and this branch broke off the tree, falling directly onto our car. That's just suuuper. I said a few choice words, then turned around and walked back inside to get my husband.
We assessed the damage and determined that the only thing wrong with the car (besides the huge branch still on it) was that the window was cracked. Not smashed, fortunately, but messed up pretty bad.
Since the crack was on the passenger side, the car could still be driven. We wanted to fix it quickly, though, before it got any worse.
I did a little research online and determined the cost to replace the windshield to be about $200. Then I called our insurance company to report the damage and see if they would cover any of it. I was skeptical, as we have a $500 deductible. Come to find out, in MA insurance companies cover 100% of windshield replacement. I was shocked! The insurance company even arranged for a windshield repairman to come to my office and replace the windshield.
I was impressed. I have never dealt with my auto insurer, as we have never had a claim with them. This experience was almost pleasant. I never had to worry or stress about the damage; as soon as I talked to them, the wheels were turning to fix the problem. Now that is what insurance is all about - peace of mind.