The following is a list of Honda vehicles that REQUIRE OE windshields:
2013-2015 Honda Accord EX-L, Touring
2014-2015 Honda Accord Hybrid EX-L, Touring
2014 Honda Accord Plug-In, All
2014 Honda Civic Hybrid, All
2013-2015 Honda Crosstour EX-L
2015 Honda CR-V, Touring
2014-2015 Honda Odyssey EX-L, Touring
2014-2015 Acura MDX, Tech, Advance
2014-2015 Acura RLX, All
2014 Acura RLX Hybrid, All
2015 Acura TLX, Tech, Advance
2013 Acura ZDX, All
More Money For Windshield Replacements, Less Problems For Drivers
Don’t want to pay more money for a windshield replacement? Then don’t buy a new car. As with all technological advancements, there are always added costs. Your windshield might look like just a big piece of glass, but it’s actually filled with technology. We’re here to tell you why, and by the end of this article, you may be convinced that the extra cost is well worth it.
What are Advanced Driver Assistance Systems?
We’ve been talking about ADAS, (which stands for Advanced Driver Assistance Systems,) and for good reason too. These systems are here to stay and they’re becoming more advanced with each new model release. They utilize radar, lidar, cameras, computer imaging, sensors, networking, and other devices to create a safer vehicle.
ADAS refers to any type of assistance to the driver that it automated. This can be something as simple as auto-on headlights or rain sensing wipers. Moving up the scale, ADAS can also assist drivers by utilizing night vision technology and sensing vehicles in blind spots- something your average human with five senses would have difficulty doing. ADAS at its most advanced state is less of an assistance system, and more into the realm of becoming autonomous. These are the cars that have lane departure sensors, adaptive cruise control, collision avoidance systems, automated parking, and other features that let the driver sit back, relax and enjoy the ride.
Self-driving cars: booooring.
This technology isn’t anything new though. Self-driving cars have been in testing since the mid 1980’s and ADAS features became mainstream starting around 2010. Thanks to the likes of Tesla, Google, Apple and Uber racing to have the first truly autonomous vehicles though, ADAS has caught a ton of traction lately. It has really opened up the discussion of highway safety and how these features can prevent crashes.
Saving lives: not boring!
Let’s face it: a large percentage of drivers on the road are just plain bad. You probably experienced one on your way to work this morning, or maybe you were one doing 15 over the speed limit to get work before the boss noticed you were late (we won’t judge).
Not convinced? Every year in the US over 2 million people are injured or disabled in traffic accidents and another 35,000+ are killed. That’s basically the population of an entire town being wiped out every year just from traffic accidents.
ADAS can help. A lot. According to some industry professionals, the impact of vehicle-to-vehicle (V2V) communication alone could cut accidents upwards of 600,000 a year! This translates into countless lives, limbs, tax dollars and insurance expenses saved. Combine V2V communication with the other high-end ADAS systems and you have one very safe vehicle.
Windshield Replacement Time
If you don’t already have a vehicle equipped with ADAS features, chances are you will in the future since more and more vehicles have these systems as standard features.
So listen up!
Despite the latest and greatest technology, things still break- especially windshields, which take the brunt of highway-speed abuse from objects like rocks. When it comes time for windshield replacement there are certain things you’ll want to know– like the fact that the car’s computer system will likely need to be re-calibrated.
Areas with road work are notorious for having increased rates of windshield damage
The process for windshield replacement calibration varies from vehicle. It can be as simple as resetting the vehicle’s computer system, to as complicated as setting up lasers, taking measurements, and making manual adjustments. These ADAS calibrations after a windshield replacement require specialized, expensive tools and a lot of training. Additional costs vary by complexity of the recalibration and fees generally range from $150-$450. Considering what goes into it, these are bargain prices. Especially when a proper windshield replacement calibration could be the difference between saving a family of four or a deadly accident.
Windshield Replacement Calibration
You may be wondering why a car needs to be re-calibrated at all. Or better yet, why a windshield replacement causes issues. This is due to the fact that car windshields are actually pretty techie and what you think may be just glass, isn’t just glass. Even though you can’t always see it, there are built-in sensors, specially positioned areas of tint and no tint, heaters, noise reduction layers– the list goes on. Some of these built-in or attached sensors can be linked to ADAS. And if the sensors change position by just a millimeter or degree, it may throw the entire system off. This one reason why re-calibration is essential after a windshield replacement.
The more advanced systems that use cameras for lane departure warning systems and the like usually have special areas of the windshield that the lens “sees” through. It is a very precise area, so great care must be taken during an install to ensure everything is lined up. Much like other sensors, the cameras are very sensitive to change and will likely need to be re-calibrated after a new install as well.
August 15, 2017 by Katherine Coig
Texas Watch, a non-partisan citizen advocacy organization, has asked the Texas Department of Insurance (TDI) to investigate the insurance industry’s “corner cutting automobile repairs.” This is in light of State Farm’s alleged role in influencing an auto repair that wasn’t performed to the OEM’s specifications. The repair in question resulted in a $1 million lawsuit against a Texas collision repair center, as well as a separate lawsuit against State Farm, following an accident that left a couple severely injured.
The organization wants TDI to take “enforceable action” and discourage insurers from steering its consumers into using its preferred auto collision center. Texas Watch believes this will prevent insurance providers from pushing auto repair shops into performing cheaper repairs.
“When insurers prioritize the bottom line, and pressure body shops into unsafe, shoddy repairs, Texans’ lives are put at risk,” Tori Sommerman, deputy director of Texas Watch, said in a statement. “Recent reporting demonstrates the tragic consequences of insurance companies pressuring drivers into using industry-preferred body shops where insurers can push for cheap, substandard repairs.”
In a letter to TDI deputy commissioner Mark Einfalt, Ware Wendell, executive director of Texas Watch, urged the department to “hold industry wrongdoers accountable through all available means and without delay given the many lives at stake.” He added that laws are only “ink on paper” until courts and agencies enforce them.
Matthew and Marcia Seebachan have filed separate lawsuits against State Farm for negligence and breach of warranty, following statements that Boyce Willis, director at John Eagle Collision, gave in his deposition. According to Willis, insurers can trump OEM specifications by not paying the bill if the repair isn’t performed how the insurer dictated it.
The lawsuits are ongoing.
How does an auto insurance policy’s deductible apply to a broken windshield or windshield repair?
Three Different Types of Coverage
To understand Windshield Repair coverage, you should first understand the basics of car insurance. There are three types of auto insurance coverage: Comprehensive, Collision and Liability.
- Liability: If you cause an accident, this two-part coverage — including bodily injury liability and property damage liability — will pay for the other party’s medical bills and vehicle repairs. It will not protect you or your passengers if you are injured or your vehicle is damaged as a result of the wreck.
- Collision: This type of coverage will pay to fix or replace your own vehicle after an accident. Coverage extends to damage caused by collision with an object (e.g., a tree or house) or an accident in which no object was involved (e.g., if your car flips). Most states don’t mandate collision coverage, but if you have a loan or a lease, your finance company will probably require it. Collision insurance cannot usually be purchased without comprehensive coverage.
- Comprehensive: This protects your vehicle against certain types of damage not caused by an accident, such as theft, vandalism, falling objects, flood, fire, animals, or natural disasters. It also covers claims in which the damage is limited to glass damage such as a cracked or chipped windshield. Comprehensive insurance is optional unless your lender or lessor requires you to have it. This type of insurance is usually purchased in combination with collision coverage.
Any time a damage or accident claim is filed against your car insurance, you must pay a deductible. A deductible is a payment level that must be met before the insurance picks up the rest of the claim cost. Common car insurance deductible levels might be $0, $50, $100, $250, $500, or $1,000 per incident. A person with a $250 deductible would have to pay $250 towards repairs if damage exceeds that amount. Choosing a lower deductible may increase your annual premium, but would result in a lower out-of-pocket expense to repair or replace any vehicles involved.
Windshield Repair or Replacement
Comprehensive coverage deductibles are applied to cover windshield cracks or breakage as well as the other glass in your car. In the case of a broken windshield or one that is extremely damaged, your policy deductible would generally apply. However, there are a few things to keep in mind that when dealing with windshield damage. First, some insurance companies have a separate piece of the policy that defines coverage for glass breakage. This special coverage may allow for a lesser deductible owed on windshield replacement. Second, if the damage is minimal (smaller than a quarter is a good rule of thumb) like a chip, nick, or small crack, you may be able to have it repaired at no cost if your insurance company waives your deductible for having the repair performed.
How does this effect you/me?
Many people are unaware that you are able to select different deductible amounts for both the Collision and Comprehensive portions of your policy and many times the difference per month is minimal. I encourage you to question your agent about the difference or if you are shopping/buying online select the different coverage’s and see the monthly difference firsthand.
Example: (all information is used as examples only. Assuming full coverage)
- If you carry a $500 deductible for collision and $500 for comprehensive on your vehicle, the monthly premium is $80.
- However, if you carry a $500 collision deductible and a $100 comprehensive deductible the monthly premium may be $83.
Under the first scenario it would cost you $500 or the full cash price of the windshield, which ever is less.
Under the second scenario it would cost you $3 more per month but only cost you $100 to replace your windshield.
It is also important to understand that the comprehensive portion covers all of the glass in your vehicle not just the windshield. So, should someone vandalize your vehicle and breaks out the back glass and a door glass at the same time your deductible will cover both pieces to be replaced.
The newer vehicles are coming from the factory with more and more options attached to and in the windshield and as you can imagine the cost of these windshields are sky rocketing, replacing with the incorrect windshield may/will render the safety features inoperable and cause errors/alerts in today’s cars . Some of these options are Rain Sensors, Auto Light Sensors, Heated Wiper Park Area, Electrochromic, Acoustic Interlayer, Infared, Lane Departure Warning System, Antennas, Remote Start, Forward Collision Alert and many many more options that effect how your car operates.
I spoke with a customer the other day and one of the first things they said was “The insurance company is screwing me around”. When I asked what he meant he said the insurance company was telling him he had to pay his $500 deductible before they would pay anything for his windshield replacement………. I ask you, which would be easier to handle/come up with…$3/mo or $500 all at once?