Farmers Insurance Windshield Replacement Policy (Explained!)

Farmers Insurance Windshield Replacement Policy

Do you know what Farmers Insurance windshield replacement policy is? Well, you are at the perfect place to find the answer to such a question.

Many assume that a broken windshield will be automatically covered by car insurance. Unfortunately, many people end up finding out theirs does not when it’s already too late. If you have Farmer’s auto insurance, you should be asking yourself, What is Farmers windshield replacement policy?

Farmer’s insurance will cover a broken windshield as long as you have their comprehensive insurance coverage or the glass buyback deductible. 

For more information on Famers insurance and what type of coverage you need in order to have your broken windshield replaced, continue reading this article.

What is Farmers Insurance Windshield Replacement Policy?

Farmer’s car insurance only covers broken windshields if you have a comprehensive insurance policy. This policy is used to cover damage that has affected your vehicle due to outside incidents and not as a result of your own actions.

This includes damage to the windshield from things like a foul ball at a little league game, a deer crossing the road at the wrong time, etc.

Is the windshield Covered at 100%?

The amount covered by the insurance to replace your window depends on your deductible and the damage.

Typically, Farmers will waive the deductible if your windshield has only sustained a crack or minor chips and cover the cost of repairs in order to avoid replacing the entire thing.  

If you feel you are at high risk of having your windshield damaged, maybe you live close to a golf course, or you are stuck parking on a busy street every night, you can opt to add the glass buyback deductible.

With this coverage, your broken windshield will be covered no matter how it happened, no questions asked.

If you are looking for windshield coverage through Farmers, call your local agent to discuss their specific coverage options and inquire about how much the deductible will be for a full replacement.

Depending on which company you go with, the deductible is typically between $100-$250. 

Read also >> AAA Windshield Replacement Policy (Coverage, Cost + More)

What if My Windshield is Smashed in a Car Accident?

If your windshield is smashed, chipped, or cracked in an automobile accident, then your collision coverage should cover the damage, whether it be a total replacement or just a repair.

However, it is essential to remember that collision insurance will not cover you if the window breaks in any other way.

How Do I Know if My Policy Covers Windshield Replacement?

Each policy will look a little different depending on your specific situation; chances are, if you didn’t go into the building with window replacement in mind, you don’t have coverage, at least not full coverage. 

In order to know whether or not you can file a claim for a smashed-out windshield, you should take a look at your policy; this can be done with the paperwork you received from your Farmers agent, online in your Farmers account, or by calling your local Farmers insurance company and inquire about your policy.

How Do You File a Claim for Windshield Replacement with Farmers Insurance?

It is crucial to file your claim as soon as the accident or incident happens. You can do this by calling your local Farmer’s insurance agency or by logging onto your personal account.

When in your account, you can easily access the claims center, where you will be instructed to input your information along with details regarding the accident and pictures for proof. 

Many glass repair shops work directly with Farmers to make the claims process more starightfoward. Places such as Safelite and Glas Tek make replacing your windshield very easy because they are more than happy to go through the claim process for you, repairing the glass in a short time. 

Read also >> Progressive Windshield Replacement Policy (What’s Covered + More)

Is it worth it to Simply Repair Your Windshield Instead of Replacing it?

While repairing your window will save you a lot of time and money, it isn’t going to fix the problem 100%; no matter how well the window repair company you go to is, it can’t hide the crack completely.

Unfortunately, depending on the situation and your coverage, this may be your only option unless you want to for out some money from your own pocket. 

Is it Worth it to Have Both Comprehensive and Collision Coverage on Your Vehicle?

It isn’t uncommon for people to have only one insurance policy, especially if their vehicle is older or totally paid off. However, without both policies, you won’t have full coverage on your car. 

Comprehensive coverage is in place to take care of incidents that damage your windshield that is out of your control and doesn’t involve a car crash, whereas collision coverage will repair or replace glass that is broken due to a car accident.

It’s always better to have the much coverage as possible before an accident so you don’t regret it later on. 

Is Farmers a Good Insurance Company for Windshield Replacement Services?

Farmers is a well-known and popular insurance company trusted by millions. Compared to other insurance companies, Farmers seems to be a top choice for many people because of their wide selection of policies and their affordable prices for all budget types. 

Famers also offers customers great service with friendly staff and professional employees on hand that can help you choose the best coverage options for you. 

The coverage you need may vary depending on the type of vehicle you drive, how old it is, the condition it’s in, how much you drive, etc.

Speaking with someone who knows the ins and out’s of insurance is going to give you the information you need to choose the best policy without being over or under-covered. 

Summing Things Up

If you are looking for a good insurance company to cover you should something ever happen to your windshield, Farmers is a top choice amongst many customers.

Their policies provide an array of options to fit almost anyone’s budget and will give you the coverage you need, whether your glass is cracked from a golf call gone stray or a collision that couldn’t be avoided.


Mike Gilmour

Hi, I'm Mike, co-founder, and editor of RV and Playa. My passion is traveling (with my RV) and enjoying the day at the beach (Playa)! Well, I originally created this blog as a way to share what I've learned by experimenting with the RV lifestyle, and I want to help others develop in life through new skills and opportunities.

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