Broken Glass Defies Laws of Physics-Insurance Woes - Mercedes Benz SLK Forum

Off Topic Anything but SLK talk. Please Note that religious and political discussions are not allowed....

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#1 Old 12-15-2016
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Broken Glass Defies Laws of Physics-Insurance Woes

Totally off subject-but I've found the knowledge and advice by the members of this forum to be invaluable. So I'm throwing this out there to see what all of you great minds think.

I have a 2010 Toyota Tundra, still breaking it in with only 77k miles. It came with the "power slider" rear window option. That is a three piece in which the center piece slides horizontally and it is a great feature to have. Try to make long story short: I busted the DS piece with a ladder. Reported (honestly) to my insurance, who directed me to an approved shop (Safelite). After a weeks worth of bumbling (they first ordered a one piece unit-without considering or asking if it might be a three piece) I finally left the truck at their shop. When my SO took it home they advised not to open the window, as a "cable had stretched" and needed to be replaced. That's the screwy part-please continue reading. They said the insurance company might pay under the glass policy and they would fix it. Got a call the next day from an adjuster who told me it could not be filed under glass and would have to go under comprehensive. Safelite tells them it is beyond their capacity to fix it. They told them the the damage incurred from the glass breaking stretched the cable. Now we've moved from a zero deductible to a $500 deductible. The insurance company tells me now it has to go to a body shop. Now I'm not the smartest tart in the box but I fail to understand (believe) that the glass breaking in any way affected the cable, which of course is not exoosed. The only impact was to the glass itself. The kicker is they told me and the insurance company that that is a common problem with the Toyota tundra , the cable I mean. I've not found any information whatsoever to support that claim . Likewise the service advisors at the Toyota dealership tell me they've never heard of that being a common problem . What I think happened is that Safelite messed up the job. And they charged the insurance company (me when my premium goes up) $600 for the "repair". The problem of course is that I cannot prove that they did and of course apparently the insurance company doesn't get it either. So I'm at a loss as to how to proceed. Should I:
A) suck it up, pay the deductible,and move on; or B) contest it in some way and attempt to demonstrate that Safelite is full of it. The money is not necessarily my issue. My issue is the principle of the matter . No one but Safelite should have to incur any cost related to their actions. But as stated I'm not sure what, if anything, I can or should do.

So I'm asking all of you, what would you do?

WWJBD? (What would Jeff Banks do?). Thank you in advance for any and all input. BTW the window was replaced but now I can't use it as it is designed. They've downgraded my truck and ultimately, decreased its resale value.
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#2 Old 12-15-2016
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Here is a pic, hopfully. Please tell me how in the world the glass breakage could have "stretched a cable"!?!
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#3 Old 12-15-2016
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Having trouble uploading pic. Here's another attempt.
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#4 Old 12-15-2016
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Maybe Charlie should give them a call LOL. Kidding Charlie-please don't do that (just yet)
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#5 Old 12-15-2016
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Writing here what I intend to say during that phonecall would be against 120 forum rules, 32 religious groups ethics, 45 different countries laws and could be the scenario of a B movie splatter film.
It involves an axe, a bear, certain human body parts, a chainsaw and a bottle of gasoline.
I am ready.


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#6 Old 12-15-2016
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Had a similar issue with a previous car

Alfa GTV (916) with frameless windows...

After a break in the smashed drivers side window is replaced on the insurance (glass cover) but the fitter can't get the frameless window to seal properly - claiming it's not part of his job and needed doing at an Alfa dealership.

Of course, the dealer says it's not covered by the insurance - my argument was that the window was broken and all I'm looking for is a replacement that works as it did before the break-in - nothing more, nothing less and that between them they should get it sorted. It did involve several heated conversations with Autoglass and my insurance company, and did get sorted to a point, the main issue being who should be doing what part of the job - theres not a lot of point in Autoglass replacing the window if they cant leave me with a fully working part!!

Stick with it ...

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#7 Old 12-15-2016
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Have the dealer speak to the insurance adjuster about what caused the cable failure. I assume that the dealer will attribute the cable damage to the faulty glass repair attempt. If the insurance company sent you to the glass repair facility (Safeway) they would then make sure that the damage to the cable that was caused by Safeway was corrected by the dealer at the insurance companies expense.
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#8 Old 12-15-2016
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As an insurance adjuster, I faced problems like this numerous times. Safelite was the approved glass shop for the last company I worked for and I'm not a big fan. But proving that they did something wrong is almost impossible. Normal chain of events would be. You inquire of the shop, they say "not their fault" You tell insurance company, they call shop, shop repeats what they told you. Insurance calls you back, says shop is not responsible and neither are they, but you can have it repaired if you pay your deductible. NOW !!!!! your next step is to ask to meet with a field adjuster from the insurance company at the shop so that the shop can show you and the adjuster just how the impact from the ladder caused the cable to stretch.

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