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 covered in faultless coverage in locations with that coverage. The main consideration for changing the windshield is usually whether it’s worth filing a claim after paying the deduction, a decision that will vary depending on your policy.
Comprehensive auto insurance is available from Farm Bureau insurance. This type of insurance covers windshield and window replacement, theft, vandalism, and other damage and damage to your car without specific faults. If the windshield is damaged by someone else causing an accident, the windshield will be covered under the person’s property damage liability, part of the mandatory minimum coverage in most states.
Collision insurance is the type of insurance used to cover the repairs you may have done to your own car. Changing the windshield is within impact insurance 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 Deductibles
In order for your collision or comprehensive coverage to cover the windshield replacement, you will first have to pay any deductible for the coverage being used. Keep in mind that situations, where the entire cost of repairs is less than the deductible, will not require filing a claim. If the replacement amount is only slightly higher than your deductible, then you should pay the full cost out of pocket to avoid possible annual premium increases.
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 instead of replacing the whole thing. In this situation, you will most likely have to pay out of your own pocket to cover the entire cost of repairs because the cost is lower than your insurance deductible. Repairable damage includes chips and scratches but usually does not include cracks because of the likelihood that 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.