The Farm Bureau’s auto insurance will cover the replacement of your windshield under certain conditions. The replacement is not included in standard liability insurance, but it is part of collision and comprehensive coverage as well as being included in error-free coverage in locations with that coverage. The main consideration for windshield replacement is usually whether it is worth filing a claim after paying the deduction, a decision that will vary depending on your policy.
Comprehensive insurance
Comprehensive auto insurance is available from Farm Bureau insurance. This type of insurance includes replacing windshields and windows, theft, vandalism and other damages and losses to your car that are not caused by specific faults. If the windshield is damaged by someone else’s accident, the windshield will be covered under the person’s property damage liability, part of the minimum insurance required in most states.
Range of collisions
Collision insurance is the type of insurance used to cover repairs that you may have caused to your own vehicle. The windshield replacement is within the impact insurance range if you hit a tree or other object, if something falls or throws, or in a situation where you cause damage with something else, such as accidentally breaking the back glass of the truck while loading wood or pipes.
Insurance claims and deductions
In order for your collision or comprehensive insurance to cover the windshield replacement, you will first have to pay any deduction for the coverage being used. Keep in mind that situations where the entire cost of repairs is less than the deduction will not require filing a claim. If the replacement amount is only slightly higher than your deductible, you may be most profitable to pay the full cost of pocketing yourself to avoid the possibility of increasing your annual premium.
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Repair Vs. Replacement
Minor damage to the windshield can be repaired more economically instead of replaced, and your Farm Bureau policy may include terms on when to repair rather than replace it altogether. In this situation, chances are you’ll have to pay out of your own pocket to cover the full cost of repairs because the cost is lower than your insurance deductible. Repairable damage includes chips and scratches, but usually doesn’t include cracks because the likelihood of damage will increase over time. Consult the Farm Bureau’s insurance policy or contact your agent to determine the best approach to your specific needs.