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All posts by Jason Levine

Safelite Interview

Julie Levine:
Hi everyone and welcome to the Harry Levine Insurance YouTube channel. Thank you for joining us. My name is Julie Levine. I’d like to welcome our special guest today: Magali with Safelite Auto.

Thank you so much for joining us.

Oh, thank you for having me.

Julie Levine:
Magali and Safelite are great partners to the Harry Levine Insurance Agency. There are so many vendors out there that try to take advantage of our clients. We wanted to do this video so we could educate you on who you need to call if you have a problem.

So if you have a small crack, a big crack, broken windshield, you know what to do.


What Can Safelite Do To Help HLI Clients?

Julie Levine:
So Magali, what is the scope of Safelite? What can they do to help our clients?

Well, we will help your customers out, whether they have a small crack or a large crack, if it’s something on the windshield, it all depends on, you know…. Best thing to do is call your agent and take it from there and they will direct you to a reputable glass shop, such as Safelite Auto Glass.

Julie Levine:
Great, so you guys can do a little bit of everything. No job too small or too big. You guys can do full replacements, too?


Julie Levine:
There are many different types of glass out there. I’ve heard of OEM glass, I know there’s different types out there. Can you explain those for our viewers?

Oh, that’s a great question, Julie. Um, when it comes time to replace auto glass, the best decision making thing is to understand what your options are, okay?

You mentioned OEM. So the three different types of glass: there’s OEM, OE, and OEE. OEM stands for Original Equipment Manufacturer. Okay, that’s when the glass is made by the same manufacturers of the original car when it was made, it also has the automaker’s logo on it. Most people refer to it as dealer glass. OE is original equipment, same as OEM, except it doesn’t have the logo. It’s the only difference.

And then there’s OEE, or what people typically call “aftermarket.” But it meets the same standards, the same
specs as OEM and OE. It’s safe to use the OEE, and it’s usually more cost effective when you use the OEE as well.

One thing to be aware of though, if you have a leased vehicle, some leasing companies require that you have OEM. So it’s suggested you check with your leasing agreement to make sure before requesting the replacement of the glass.

Julie Levine 03:14
Thank you Magali. That was a great description of the different types of glass available for our clients.


Why Is It So Important To Use a Reputable Glass Vendor?

Julie Levine:
Now, why is it so important for them to use a reputable vendor?

Julie, that’s a great question to ask. First and foremost, it’s about safety. It’s about safety for your policyholders out there.

A reputable glass vendor will use safe drive away urethane so that when that customer leaves, that urethane cures more quickly and allow safe drive away time.

You also need to be aware that today, many vehicles on the market have advanced safety systems. These include forward collision warning, maybe it has emergency braking. These rely on advanced technology in the vehicle. And it’s important—and a reputable vendor will know this—that these advanced systems need to be recalibrated after a windshield installation, so that the customer can leave and the function of these advanced safety systems can work just like they did before the replacement of the windshield.

Julie Levine:
It’s a lot more complicated than just popping out a glass and throwing in a new one.

Absolutely. The other thing too, is keep in mind, a reputable glass vendor will have a warranty—not only for the replacement of the glass, but also for the recalibration. Okay. And also, they work with your insurance carriers to make sure that there’s reasonable pricing so they’re not overly pricing your insurance carrier.


Fraud and Rate Increases Due to Windshield Bullies

Julie Levine:
That leads us into my next question. There’s a lot of fraud in the insurance industry when it comes to windshield replacement. What are some of the things that you’re seeing in the industry that are causing everyone’s rates to go up?

Oh geez, there’s so many things. As you mentioned, it is a big hot topic. You have vendors that are going door-to-door. Okay, they are walking parking lots, they are pointing out non-existing damage on vehicles. They’re called Windshield Bullies. They’re usually very aggressive and go after the policyholder and say, “Hey, you have to report this right away!”

Some will even bill the insurance companies more than once! Once they have that carrier information, they have your policy number, your make & model…. Often you can’t get a hold of these companies afterwards; they’re like ghost companies.

Some will even go as far as having you sign Assignment of Benefits and then they go back and actually sue the carrier for more money. Well, there’s a bait the consumer by charging them for let’s say an OEM when they actually installed an OEE.

So there’s lots of different things to be aware of out there. And that’s another reason you want to make sure you use a reputable vendor.


Assignment of Benefits Explained

Julie Levine:
You mentioned Assignment of Benefits. I want to quickly explain that for our viewers. (And we’ve done a lot of blog posts on it.) What an Assignment of Benefits is is you’re basically signing away your rights to a claim as a homeowner or an insured with an auto. The vendor you’re using takes over that right. And that’s where the fraud usually comes in, with increased costs.

I tell all of our clients: do not sign anything. If you have any questions, call your agent.

That’s what you have an agent for, right?

Julie Levine:
That’s our job! Give us a call!


What Is the Average Cost to Replace a Windshield?

What is the average cost to replace a windshield?

Well, that varies. The price depends on the type of car, for example. What’s the year, make, and model? What type of features does the car have? Does it have some of these advanced safety features in it? Is it a vehicle that needs recalibration? Typically you can see anywhere between $300 and maybe as high as $2,000.


Can Tesla Owners Use Safelite?

Julie Levine:
We get a lot of questions from our Tesla owners. They feel that, since their car is so high-tech, that the only place they can go for windshield replacements or cracks is Tesla. Are you guys able to help with those?

We do and we actually do replacements on Teslas. I believe a standard windshield on a Tesla—just the windshield alone—is probably about $2,500. That’s without the installation.


How Do You Know When It’s Time to Repair vs. Full Replacement?

Julie Levine:
How do you know when it’s time to fix a windshield vs. a full replacement?

That’s an excellent question, Julie. So typically, it’s important to note that, while your insurance company will cover the replacement, you want to make sure that the vendor you’re using has a “repair first” mindset, okay? Because obviously, the repair is going to cost less than the replacement. So you want to make sure that the customer’s needs are being met first, over a more expensive job.

So typically, if a crack or a ding is less than six inches…. So take dollar bill. When you can cover that area, and it’s not near the edge and it’s not in your driver’s line of view or blocking any advanced safety system camera, that’s repairable. And again, it’s very important that the glass shop you’re using has that mindset to repair first whenever possible and do replacement when absolutely necessary.

Julie Levine:
Thank you. Now we know whether we need to make a repair or a replacement.


Next Steps For Your Windshield Replacement Or Repair

Julie Levine: 
So once we have that figured out, what are our next steps?

Well, first and foremost, call your insurance agent. That’s your trusted, reliable person to start off with. They are your advocate and they’re going to help you get to a reputable company, such as Safelite Auto Glass.

Julie Levine:
Magali, thank you so much for joining us today. I know I’ve learned a lot and I think our viewers have, too.

Thank you for having me.

Julie Levine:
To all our viewers out there, thank you for joining us. Hopefully you’ve learned something, what to do if you have windshield damage. Make sure to call your agent (call us!) and we’ll get you hooked up with one of our reputable windshield vendors so you can be safely on the road and on your way.

Drive safely and have a great day!

Farmers vs. Nationwide

Farmers vs. Nationwide

It’s time to talk about heavyweights, ladies and gentlemen, this is the moment you’ve all been waiting for. With total assets nearing one-quarter of a trillion dollars, Nationwide is a major player in the insurance space.

When it comes to some of the largest insurance companies on the planet, Nationwide is in the conversation. You’ve seen the Peyton Manning and Brad Paisley commercials, rivaling the J.K. Simmons commercials for Farmers. Both companies have incredibly catchy jingles. Let’s take a look at the particulars to frame this matchup.
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Is slander covered by a homeowners policy

Is Slander Covered By a Homeowners Policy?

Here’s why slander is such a big deal and how to get the protection you need.


Libel, slander, and other defamatory statements don’t just happen on TV. They’re very real and very common, especially with social media.

In today’s litigious society, lawsuits are increasingly common, even for seemingly “trivial” things. Which is why it’s so important for homeowners to know that defamatory statements are not covered by your standard Homeowners Insurance policy.

But that doesn’t mean you have to pay for lawsuits out-of-pocket.

Here’s everything you need to know about protecting your family from the financial devastation of a defamation lawsuit.
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Just started a business? Here's the types of business insurance you'll probably need.

What Types of Business Insurance Do I Need?

Every new company needs protection.

Find the right level of coverage with these 11 types of business insurance.

An estimated 44% of small business owners have never had insurance.

That number is much too high!

Commercial insurance losses are too common (and too expensive) not to have adequate protection in place to stave off disaster.

If you’re reading this, you understand that business insurance is well worth the cost of your premiums. The question you need help answering is, “How much insurance coverage do I actually need?”

In this article, we’ll take a look at the essential types of business insurance you absolutely need to have.
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Why Does Small Business Insurance Cost So Much?

Why Does Small Business Insurance Cost So Much?

“I have a small business…so why does my insurance cost so much?”

Why does small business insurance cost so much? Allow us to untangle it for you.

There are few things more exciting than a business startup. Picking your company name, designing a logo, signing a lease, hiring your first employee, selling your first widget…you’re ready to hustle, baby!

Something that’s probably not so exciting? The commercial insurance quote.

“Wait a minute,” you say. “I have a small business. Why does small business insurance cost SO much?”

There are actually a LOT of different ways to answer that question!

In this article, we’ll try to give you a better understanding of why small business insurance is priced the way that it is, why you shouldn’t base your decisions purely on cost, and a simple way that you can make sure you’re getting the most out of every dollar you spend on your insurance.

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Usage-Based Insurance: The Easiest Safe Driving Discount There Is!

Usage-Based Insurance: The Easiest Safe Driving Discount There Is!

Don’t let other drivers raise your insurance rates!

With Usage-Based Insurance, you can get a safe driving discount based on your own good driving habits.

Nearly all of the insurance giants have some form of safe driving discount. In the past, your safe driving skills were usually determined by your driving record: fewer tickets and claims translated to bigger savings.

But what about those maniacs that speed through traffic, but somehow never get caught by the police? Or the ones who simply drive around with their busted car and never bother to file a claim? It’s not fair that they should be getting a safe driving discount (and raising your rates in the process).

Enter: Usage-Based Insurance.

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What is Uninsured Motorist Coverage? (& Why Do You Need It?)

What Is Uninsured Motorist Coverage? (& Why Do I Need It?)

An estimated 1 in 4 Florida drivers do not have auto insurance. That’s too many!

But with Uninsured Motorist coverage, you don’t have to pay the price for their mistakes.

A hidden danger awaits those who come to Florida. And no, it’s not hurricanes.

It’s underinsured drivers.

According to recent estimates, about 1 in 4 Florida drivers (26.7%, to be precise) don’t have any insurance. If that sounds high, that’s because it is. The Sunshine State has the highest number of uninsured drivers in the country.

But drivers without insurance aren’t the only people you need to worry about. You also need to worry about the drivers who don’t carry any more coverage than what is required by law.

In this article, we’ll cover why Florida’s insurance minimums aren’t good enough and how you can protect yourself with Uninsured Motorist Coverage.
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How We’re Responding to the COVID-19 Pandemic

Hey everyone, and welcome back to Harry Levine Insurance on YouTube.

We’re recording today live from home. We’re in the middle of the COVID-19 pandemic (at least, what we hope is the middle) and we’ve transitioned our entire team to a work from home model.

The great news is we’ve been able to truly adapt, find some great software solutions, and make sure that we can be there for you, just as if it was a month or two ago and we were working full steam ahead at either of our physical office locations.
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The Ultimate Guide to Auto Insurance

Hey everyone, and welcome to the Harry Levine Insurance YouTube channel. Today, let’s talk about auto insurance.

It’s one of my favorite things to talk about. So much so that I’ve even been a longtime teacher of Project Invest. That’s a program where we go into local high schools in our immediate office area and actually teach students about auto insurance because it’s perhaps the one line of coverage that there is no doubt they are certainly going to deal with at some point in their adult lives.

So let’s get started!

I want to run through a couple of bullet points that bring you an introduction to an auto insurance policy and what you need to understand.

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