Farmers Insurance Windshield Replacement: What’s Covered and How to File a Claim

Dealing with a broken or damaged windshield can be a hassle for any driver. Thankfully, Farmers Insurance provides robust coverage options to replace your windshield and get back on the road quickly. This article will explain everything you need to know about making a windshield claim with Farmers.

Is Windshield Damage Covered by Farmers?

Farmers auto insurance policies include comprehensive and collision coverage that will pay for windshield repair and replacement in most cases. Here’s an overview of what each covers:

• Comprehensive – Covers damage from non-collision-related issues including windshield cracks, chips, and breaks. This applies regardless of who or what caused the damage.

• Collision – Covers damage from a collision with another car or object. If your windshield was damaged in an at-fault accident you caused, collision coverage will pay for replacement.

So in most situations, your Farmers auto policy will have you covered for windshield damage. The exception is if you only carry basic liability coverage, which does not include comprehensive or collision.

What Does Farmers Comprehensive Insurance Cover?

Farmers comprehensive coverage provides protection against:

• Windshield chips, cracks, and breaks from rocks, debris, weather, vandalism, and more
• Windshield damage from attempted theft or break-ins
• Replacement cost if the windshield is completely destroyed in an accident
• No out-of-pocket cost as long as your deductible is met

One of the great benefits of comprehensive insurance is that you will not be dinged with increased premiums or higher risk ratings after filing a windshield claim since the damage was not your fault. It protects your driving record and insurance costs going forward.

Using Collision Coverage for Windshield Replacement

If your windshield gets damaged due to a collision you caused, your at-fault accident collision coverage will pay for a new windshield. This includes situations like:

• Hitting a significant pothole or object on the road
• Getting in an accident where debris from the impact damaged the windshield

However, using your collision insurance does have drawbacks:

• You will need to pay your collision deductible, which is usually $500-$1000.
• Your rates may increase at renewal time after filing an at-fault claim.
• The claim will show up on your CLUE auto insurance report as an at-fault accident.

So it’s better to use comprehensive coverage if possible since it protects you from premium hikes.

What is Covered by Farmers Windshield Replacement?

Farmers windshield coverage includes replacement cost and labor for:

• The windshield glass itself
• Sealing adhesives
• Moldings around the windshield
• Calibration of advanced safety systems like collision avoidance and lane departure warning

Basically, Farmers will pay for your auto glass shop to restore your windshield and related equipment to pre-loss condition. Original manufacturer parts will be used when required to ensure proper functioning.

How Much Does Farmers Pay for Windshield Replacement?

Farmers will pay reasonable and customary costs based on average local market prices for your windshield replacement. Prices can range from $200 up to $1000 or more depending on the vehicle make and model.

Luxury and high-end cars with advanced glass and safety features will be on the more expensive end. Farmers may negotiate pricing with your chosen glass repair shop. You will need to pay any costs above your coverage limits.

What is the Windshield Replacement Deductible with Farmers?

Farmers offers a few options when it comes to your windshield repair deductible:

• Standard deductible – $500 or $1000. This is the default deductible that applies to comprehensive and collision claims.

• $0 glass deductible – No out-of-pocket cost for windshield repair or replacement. You must specifically choose this lower glass deductible.

• $50 or $100 glass deductible – A smaller deductible amount for windshield claims only. This helps lower your upfront costs.

Be sure to discuss your deductible options with your Farmers agent to select the right level of coverage for your needs and budget. $0 glass deductible is ideal if you can afford a slightly higher premium.

How to File a Windshield Replacement Claim with Farmers

Filing a glass claim with Farmers is simple. Follow these steps:

1. Call your Farmers agent or 844-805-4000 to report the damage. Describe what happened and exchange insurance information.

2. Farmers will walk you through your coverage options and recommended glass repair shops in your area.

3. Choose a shop and schedule a repair appointment. The shop will verify coverage with Farmers and handle paperwork.

4. Pay your deductible at the shop when you drop off your vehicle. Farmers will pay the shop directly for the remaining covered costs.

5. When repairs are complete, inspect the work thoroughly before signing any paperwork and driving away. Notify Farmers if you have any issues.

Tips for a Smooth Windshield Claim with Farmers

Follow these tips for the best experience when filing a Farmers windshield claim:

• Photograph all damage before beginning repairs for documentation.

• Make sure to remove all personal items from your car before the work is done.

• Ask the repair shop if they can do a resin injection style repair for small chips and cracks to avoid full replacement.

• Consider using an OEM manufacturer’s glass shop to ensure proper installation and calibration if you have advanced driver assist systems.

• Save all repair invoices and parts information.

• If you have a $0 deductible, there should be no charge to you at the shop. Refuse to pay anything unless Farmers confirms an unpaid portion.

• Report any issues with faulty parts or workmanship to Farmers promptly so they can address it with the glass shop.

Why Choose Farmers for Auto Insurance?

Farmers has a long history of providing quality coverage to protect drivers. Here are some key benefits:

• Available nationwide with knowledgeable local agents
• Bundling discounts of up to 15% when you add home or life insurance
• Flexible deductible and liability limit choices
• Robust coverage for new cars with advanced safety equipment
• Prompt claims service with low complaint ratios
• Lots of discount opportunities to lower your premiums

For dependable coverage and great service, Farmers is a top choice for windshield replacement and all your auto insurance needs. Get a free quote today to see how Farmers can help you save.