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It is estimated that there are an average of 80,000 windshields replaced every month in Arizona! But just how many of these really needed to be replaced??<

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

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We have all been approached by persistent auto glass salespeople representing Phoenix auto glass companies at our local car washes:

"I can repai

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

those chips in your windshield within minutes," they say.
"We just need your insurance policy information and you will be on your way."

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

owever, repairing minor chips and cracks is one thing; total replacement of your windshield when it's not necessary costs everyone, including you, additional money

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

and possibly even jail time!

In some states, insurance companies are required by law to waive the deductible for damaged or broken windshields in an effo

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

rt to encourage vehicle owners to make the repairs. However, some companies are using that loophole to convince consumers they can have new windshields for

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

free since they are fully covered.

The dishonest glass companies, also referred to as "glass claims harvesters," will rent parking lot

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

pace from Arizona auto repair facilities, car washes or gas stations to seek business through unnecessary auto glass replacements. Once the car owner agrees to the

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

deal, the harvester will subcontract the replacement with another, less expensive glass company and turn a profit from your insurance claim. Some harvesters will i

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

mpersonate the insured and obtain multiple glass claims.

The following are several windshield replacement scams you should be aware of:

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

eplacing expensive windshields which only have a small crack or chip that could easily be fixed. They might also charge insurers to replace several chips when only

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

one chip was repaired. Some con artists charge your policy for several windshield replacements without you knowing it!
The crooks might convince motorists

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

to participate by offering freebies such as steaks, movie tickets or car washes. In addition, they might offer cash rebates or inflate the repair bill to cover the

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

deductible. Oftentimes, these "fly-by-night" operators are poorly trained and work out of pickup trucks in parking lots, quickly disappearing after the

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

hoddy repairs. You might see them approach people at car washes, gas stations or conveniences stores. In addition to the safety risk from cheap substandard glass o

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

shoddy workmanship, you could face increased premiums or possible loss of coverage due to multiple hits on your policy.

And the worst possible scenario? You coul

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

face jail and fines for insurance fraud!

Everyone else's premiums also increase in the long run due to fraud losses passed onto honest policyholders.

According

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

to Doug Ashbridge, Director of Special Investigations for Farmers Insurance Group, property casualty insurance fraud costs consumers $20 billion each year and is p

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

obably present in as many as 10 percent of claims filed.

If you are approached by a salesperson insisting on an unnecessary windshield replacement, just s

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

y no! Report the incident to your state insurance department. If you need repairs, contact your insurance agent for reputable glass companies in your area

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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