Does American Family Cover Windshield Replacement?

Last Updated on April 5, 2022

Nobody likes dealing with windshield chips and cracks. However, if you have American Family Insurance, then your policy could cover windshield repairs and replacements.

American Family Insurance pays for windshield replacements and repairs for customers with comprehensive coverage. If replacing your windshield, then you’ll need to pay your deductible. If repairing your windshield, then American Family Insurance waives the deductible.

Keep reading to discover everything you need to know about how American Family Insurance covers windshield replacement.

Table of Contents:

Yes, American Family Insurance Covers Windshield Repairs and Replacements

American Family Insurance, like most insurance companies, covers windshield repairs and replacements for policyholders with comprehensive coverage.

Comprehensive coverage is optional. It’s a part of a full coverage car insurance policy. It covers damage that occurs to your vehicle outside of accidents, including hail damage, fire damage, collisions with animals, and windshield repairs and replacements.

If you only need to repair your windshield (instead of fully replacing it), then American Family Insurance could cover the full cost of repairs. If you are replacing your windshield, then you’ll need to pay a deductible, and American Family Insurance covers all remaining costs beyond your deductible.

How American Family Insurance Covers Windshield Repairs and Replacements

Assuming you have comprehensive coverage, American Family Insurance covers windshield repairs and replacements like this:

  • If your windshield has smaller cracks and chips, then a windshield repair center should be able to repair the damage. In this situation, American Family Insurance covers the full cost of windshield repairs, and you do not need to repair your deductible.
  • If your windshield has multiple cracks or chips, or larger cracks and chips, then a windshield repair center will replace your windshield. You pay your comprehensive coverage deductible (typically around $250 to $500), and American Family Insurance covers all remaining windshield repair costs.
  • If someone damaged your windshield in an accident, then you make a claim through the other driver’s liability insurance. The other driver’s liability insurance covers the full cost of repairing or replacing your windshield.
  • If you damaged your windshield in a single-vehicle accident, or if you were at fault for the accident, then you make a claim through your collision coverage. You pay your collision coverage deductible (typically $500 to $1,000), and American Family Insurance covers all remaining costs of repairing or replacing your windshield.

If you do not have full coverage car insurance, then American Family Insurance may not cover windshield repairs and replacements. Drivers with basic liability coverage have limited protection for their own vehicles. You’ll need to pay for repairs out of pocket.

Some Drivers Pay Zero Deductibles for Windshield Repairs and Replacements

Drivers in Florida, Kentucky, and South Carolina pay a $0 deductible for windshield repairs and replacements.

If you live in Florida, Kentucky, or South Carolina, then you can get free windshield repairs and replacements through American Family Insurance because of state insurance laws. Whether your windshield needs to be repaired or replaced, you can make a claim through American Family Insurance and get a new windshield (or a repaired windshield) without paying a deductible or any other costs.

Similarly, drivers in other states may buy full glass coverage. In exchange for a few extra dollars per month, your full glass coverage covers the full cost of repairing or replacing your windshield without requiring you to pay a deductible. Insurers in Arizona, Connecticut, Massachusetts, Minnesota, and New York are required to offer full glass coverage according to state insurance laws. If you buy full glass coverage, you’ll pay a $0 deductible.

Call American Family Insurance to Verify Coverage

If you’re unsure about how your American Family Insurance auto insurance policy covers your windshield damage, or if you’re unsure which coverage applies to your windshield damage, then contact American Family Insurance.

You can explain the situation to American Family Insurance, and the company will determine the best option for you.

Sometimes, you’re better paying for a windshield repair or replacement out of pocket. If your deductible is higher than the cost of replacing the windshield, for example, then you’re better paying for a replacement out of pocket.

Will Insurance Premiums Rise After a Windshield Replacement Claim?

American Family Insurance will not raise insurance premiums after a comprehensive coverage claim.

Most windshield repairs and replacements fall under comprehensive coverage, which protects your vehicle from incidents outside of collisions with other vehicles. Insurance companies do not raise premiums after comprehensive coverage claims.

However, if you make a claim through your collision coverage, then American Family Insurance will raise premiums. If you damaged your windshield in a single-vehicle accident, for example, or collided with another vehicle and it’s your fault, then you make a claim through collision coverage. A single at-fault collision coverage claim can raise premiums by 20% to 50%, depending on the severity of the loss.

How to File an Auto Glass Claim with American Family Insurance

American Family Insurance partners with Safelite’s Glass Repair Program to make windshield repairs and replacement easy across the United States.

Here’s how you start an auto glass claim with American Family Insurance:

  1. File a claim through AmFam.com. You need your policy number and the date the damage occurred to file the claim with American Family Insurance.
  2. Then, Safelite will collect facts about your claim and set up an appointment for windshield repairs or replacements.
  3. Safelite offers mobile auto glass service, which means they’ll come to your location to repair or replace your windshield. Alternatively, you can stop at 700+ Safelite locations nationwide for windshield repairs and replacements. An appointment typically takes an hour.

If you don’t want to work with Safelite, then you can get windshield repairs through the auto repair shop of your choice. However, contact American Family Insurance to verify your claim will be covered.

Final Word on American Family Windshield Replacement

American Family Insurance covers windshield repairs and replacements similar to other major insurance companies.

As long as you have comprehensive coverage, you should be able to make a claim for windshield repairs or replacements with American Family Insurance.

If the shop can repair your windshield, then you should pay nothing for windshield repairs with American Family Insurance. However, if your windshield needs replacement, then you’ll pay your comprehensive coverage deductible (typically around $250), and American Family Insurance covers the rest.

Contact American Family Insurance or visit AmFam.com to start your windshield repair or replacement claim.

James Shaffer
James Shaffer James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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