Farm Bureau auto insurance will cover the replacement of your windshield under certain conditions. Replacement is not included in standard liability insurance, but it is part of collision and comprehensive coverages as well as being included in no-fault insurance coverage in locations where such coverage is available. The major consideration for windshield replacement is often whether it is worth filing a claim after paying the deductible, a decision that will vary according to your policy.
Comprehensive Insurance Coverage
Comprehensive auto insurance is available from Farm Bureau insurance. This type of coverage includes windshield and window replacement, theft, vandalism and other damages and losses to your car that do not have a specific fault. If the windshield was damaged because of someone else causing an accident, it would be covered under that person's property damage liability, part of the required minimum insurance coverage in most states.
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Collision insurance is the type of coverage that is used to pay for repairs that you may have caused to your own vehicle. Windshield replacement falls under collision coverage if you hit a tree or other object, if something is dropped or thrown or in a situation where you cause the damage with something else, such as breaking the back glass out of your truck accidentally while loading lumber or pipe.
Insurance Claims and Deductibles
In order for your comprehensive or collision insurance to cover windshield replacement, you will first have to pay any deductibles for the coverage being used. Keep in mind that situations in which the full cost of repairs is less than the deductible will not require filing a claim at all. If the replacement is only slightly more than your deductible, it may be in your best interest to pay the entire cost out of pocket to avoid potential increases in your annual premiums.
Repairs Vs. Replacements
Minor windshield damage may be more economically repaired than replaced, and your Farm Bureau policy may include provisions for when repairs will be made instead of full replacement. In this situation, you will most likely have to pay for the full repair out-of-pocket because the cost amounts to less than your insurance deductible. Repairable damage includes chips and scratches, but does not usually include cracks because of the potential for the damage to increase over time. Refer to your Farm Bureau insurance policy or contact your agent to determine the best approach to your specific needs.