State Farm Windshield Replacement Policy (Coverage, Claims)

Do you know what State Farm Windshield replacement policy is? Well, you are at the perfect place to find the answer to such a question.

Do you need your windshield replaced through State Farm and wondering what’s covered? Are you looking to sign up for new coverage? We have the scoop on what State Farm covers when it comes to getting your windshield replaced.

State Farm covers windshield replacement and glass repair claims. Depending on your coverage level and extent of the damage, your deductible may apply. They will replace a windshield if the driver’s side, or acute area, is damaged or if the windshield is completely damaged, and they might try to repair it if the non-acute area of the windshield has only small breaks.

State Farm uses a network of reputable repairers that meet their high-quality standards. Always contact your Sate Farm agent before paying for any repairs!

Table of Contents

Will I pay a deductible for glass claims?

In some states, a deductible will apply while others it will not, even if the same policy is in use. That is determined by the states insurance policy, and not State Farm’s policy.

Your individual deductible can also be based on your policy coverage amount, which is why it is best to know what kind of coverage you are signing up for before you sign any paperwork.

How quickly will the repair be completed?

State Farm wants to get you back on the road as soon as possible after an incident that caused the need for your windshield to be repaired.

That’s why they try to have the windshield repair or replacement completed within 48 hours from the time that you file your claim.

Can I take my vehicle to a facility that repairs glass?

You need to check with your State Farm agent to make sure that the company that you are requesting to use is one that is on the list of contractors that they work with.

If you fix your windshield at a non-verified vendor, then you may not receive a refund for the amount paid. This is because State Farm works with a network of repairers that they know will stand up to their high-quality standards.

If you go through their network of glass contractors, then you won’t have to pay anything out of pocket, or at least not upfront for the full amount.

What kind of damage can be repaired on a windshield?

Many types of glass fractures necessitate the replacement of the entire windshield due to safety concerns.

But, typically, small cracks and chips in any area not in front of the driver can be easily and quickly repaired.

Small breaks in the windshield glass located outside of the driver’s view that can be repaired are the following:

Star
Half-moon
Bullseye
Or a combination of any of the above breaks.

What kind of damage cannot be repaired on a windshield?

Any damage that disrupts the drivers view will cause the need for the entire windshield to be replace.

That area is called the Acute area and any of the above fractures within that area will cause a need for the windshield to be replaced instead of repaired.

How do I know if I am covered for a windshield replacement through State Farm?

You will need to check your policy to determine what coverage you are qualified for. Since all insurance jargon is a bit technical, you can also call your State Farm agent and they will tell your exactly what is covered.

Am I covered for a windshield replacement if I have PLPD coverage?

Being that PLPD is the lowest type of coverage available, in most cases, windshield repair or replacement is not covered by that policy.

But State Farm does a get job at customizing your insurance needs. So, if you are worried about windshield replacement coverage, then ask your agent and they may be able to add it on your coverage plan for a minimal amount extra.

Are there options for extra coverage through State Farm?

Even with PLPD, there is extra coverage that you can purchase to cover your windshield.

There are also specific policies that will cover all damages, including windshield, for incidences involving hitting a deer or other wildlife that you might encounter in the roadway.

Being that this is one of the most common ways that windshields need a full replacement, this policy addition is a great way to protect your windshield and your entire car.

How do I report a glass claim?

You can contact your agent, file a claim online, or call LYNX services at 888-624-4410.

Once they have checked to see that your policy covers glass repairs or replacement, then they will schedule your repair to have completed within 48 hours.

Conclusion

State Farm is a great company to buy insurance from partly because they understand the needs and dangers faced by the daily commuter, and they create policies to reflect that.

State Farm covers windshield replacement and glass repair claims depending on your coverage level and the extent of the damage.

Be aware that your deductible may apply. They will replace a windshield if the driver’s side, or acute area, is damaged or if the windshield is a total loss, and they might try to repair it if the non-acute area of the windshield has only small breaks.

State Farm uses a network of reputable repairers that meet their high-quality standards. Always contact your State Farm agent before paying for any repairs!

References

https://www.statefarm.com/claims/auto/windshield-repair