This Is How Your Car Insurance Company Uses Your Windshield Chips Against You

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00:00This is how your car insurance company uses your windshield chips against you.

00:05That innocent $30 rock chip fix?

00:07It triggered a digital surveillance system, possibly quadrupling insurance costs.

00:12One driver saw rates jump to $8,000 after multiple claims despite a spotless record.

00:17Welcome to this new reality.

00:20Glass repair shops often file insurance claims automatically, even if you plan to pay cash.

00:26When you provide your insurance card for verification, they submit a claim, creating a persistent

00:31digital trail.

00:33Frequent microclaims, not the cost, trigger algorithmic red flags, with insurers treating

00:37multiple repairs as indications of risky behavior, akin to social media algorithms targeting consumers

00:43with ads.

00:45Claims databases share your glass repair history across the entire insurance industry.

00:50These records lasting three to five years become part of your risk profile with minimal recourse

00:54for removal.

00:56Insurers may use connected car data for claims history, weaponizing your transparency.

01:02Insurance professionals suggest handling windshield chips like oil changes.

01:06Fix them yourself instead of involving insurers.

01:09Pay cash for repairs under a few hundred dollars and avoid providing insurance information unless

01:14officially claiming.

01:16Beware of free repair promotions that can cost more due to digital tracking.

01:20Each repair interaction could permanently impact your risk profile.

01:24Although state regulations vary, data-driven penalties are increasing.

01:27Check out the list for reference to some services that are not limited to the

01:38facilities.

01:38Theorie.

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