Demystifying Farmers Insurance’s Windshield Replacement Policy

As a Farmers Insurance customer you may be wondering – does my policy cover a broken or damaged windshield? If so what steps do I need to take to file a claim and get it repaired?

Having to replace a windshield can be an inconvenient and unexpected expense. I wanted to provide some guidance on Farmers’ windshield replacement policy, what it covers, and how to get your windshield fixed with minimal hassle

Why Windshield Damage Matters

Before diving into Farmers’ specific windshield policy details, let’s look at why windshield damage is about more than just aesthetics. A damaged windshield:

• Can dangerously obstruct the driver’s view of the road
• Weakens the structural integrity of the roof in the event of a rollover accident
• Increases the chance of ejection during an accident if you are forced through the compromised glass
• Fails to contain airbags released during a collision

Driving with a damaged windshield greatly elevates accident risk for you and your passengers. Plus in many states it’s illegal to operate a vehicle if the damage impairs visibility.

Replacing it promptly is about safety – not just restoring your vehicle’s looks. Many auto insurance policies like Farmers’ recognize this and take a proactive stance on windshield repair.

Overview of Farmers’ Windshield Replacement Coverage

Now, onto the specifics. Here are some key points about windshield repair and replacement under a Farmers auto policy:

• Covered with no deductible in most cases
• No impact to your premiums after a glass claim
• Repairs often done at your home or work for convenience
• OEM factory glass used for replacement to ensure proper fit and safety
• Repair services available 24/7 in many areas

This coverage applies to windshield damage caused by:

• Rocks or debris hitting the glass
• Cracks from temperature changes or stress
• Vandalism
• Attempted theft
• Fallen tree branches

Windshield coverage is an add-on option with Farmers auto insurance. Most policies include it because of the safety benefits, but verify with your agent that glass coverage is active on your particular policy.

Step-by-Step Process for a Windshield Claim

If you notice any damage or deterioration with your windshield, here are the steps to take:

1. Review your policy details – Check that you have windshield repair/replace coverage and note your deductible. Also confirm that glass claims don’t count against your loss history.

2. Take photos of the damage – Have clear visual evidence to share with your claims adjuster. Capture the damage from various angles and distances.

3. Call your Farmers agent – Notify them of the damage and intent to file a claim. Provide the photos you took and discuss next steps.

4. Get referred to an authorized auto glass shop – Your agent will suggest a reputable local repair shop in Farmers’ network. Schedule an appointment.

5. Mobile repair – Many windshield repair techs will come directly to you to assess the damage and complete the work. No need to have your car hauled into the shop!

6. Authorization – Once onsite, the repair tech will contact Farmers to get approval to repair or replace based on the extent of damage.

7. Handle your deductible – If one applies, you’ll pay the shop directly. Farmers covers the remaining cost in most cases.

And you’re done! With Farmers streamlined glass claims process, you can often get your windshield repaired or replaced with minimal disruption to your routine.

Why Choose Farmers for Windshield Coverage?

Compared to some other insurance companies, Farmers provides an exceptionally straightforward windshield replacement experience. Benefits include:

• No cost to you – With $0 glass deductible, there’s no out-of-pocket expense for a repair or replacement.

• No premium hikes – Glass claims don’t count as at-fault accidents, so your rates won’t go up.

• Quick mobile service – Onsite repair minimizes delays getting your car fixed.

• Quality OEM parts – You get the same glass your vehicle came with from the factory – no off-brand generics.

• 24/7 help – Farmers has extended repair shop hours and 24-hour claims service.

• Nationwide network – Plenty of certified repair shops to conveniently choose from near you.

• Free repairs – Minor glass chips and cracks can often be fixed at $0 cost, preventing the need for a replacement.

• Lifetime guarantee – Workmanship is guaranteed as long as you own the vehicle.

Give Yourself Peace of Mind

As a Farmers customer, you can have confidence knowing you’re covered in the event of windshield damage. Their repair process minimizes headaches so you can get safely back on the road.

I recommend having a conversation with your agent at your next policy renewal to verify windshield coverage is included. If your deductible seems high, ask about options to reduce or drop it so you pay $0 for glass repairs. An ounce of prevention is worth a pound of cure when it comes to auto insurance!

Driving with damaged glass is an unnecessary risk. With Farmers efficient claims process, there’s no reason to delay having your windshield repaired or replaced. Protect yourself and your passengers by keeping your windshield in top shape.

Hopefully this overview gives you clarity on Farmers windshield replacement process. Drive safely out there, and don’t hesitate to use your coverage if the need arises. Farmers provides it so you can promptly address damage and avoid larger problems down the road.