June 2014
What to Do If Your Windshield Is Cracked
prevent cell phone theft

What to Do If Your Windshield Is Cracked

Act swiftly – it could save you money.

You’re driving down the road without a care in the world.

The next thing you know, that semi in front of you kicks up a pebble, and now your windshield is cracked.

What do you do? These tips can help streamline the windshield repair process and save you money.

Act soon: For safety reasons, and to prevent the crack from expanding and requiring a costly replacement, address the problem as soon as possible. Keep in mind that extreme temperature changes or driving over bumpy roads can make cracks bigger.

Call Your Agent First: Your insurance agent can help you determine whether your windshield needs to be repaired or replaced, and can assist you with filing a claim so the damage is fixed by a Platinum Provider glass shop. Also, your agent can provide a temporary patch to keep the damaged area dry and free of debris prior to repair or replacement.

Repair vs. Replacement: If the chip or crack is smaller than a dollar bill, it’s better to get the windshield repaired instead of replaced. Repairs help preserve the structural integrity of the windshield, and American Family will cover them at no cost to you when you have comprehensive coverage. (A glass deductible may apply with replacement.)

Avoid Fraud: Don’t give your insurance card to unscrupulous solicitors offering to replace your windshield when it just needs to be repaired. This not only leaves your personal policy information at risk, it could result in unnecessary replacement claims. Additionally, experience has shown that sometimes repair shops may secretly file multiple claims on your vehicle. As stated above, contact your agent first!

Protecting your car goes hand-in-hand with protecting your dreams.

Check out these related resources:

What to Do Before and After an Accident

Certified Repair Program

Emergency Roadside Service

Protect Your Loved Ones – Practice Firework Safety

Protect Your Loved Ones – Practice Firework Safety

Fireworks laws vary by state and municipality. Be sure you're familiar with local regulations.

Save with Insurance Discounts
Save with Insurance Discounts

Save with Insurance Discounts

Enhance your coverage and keep more money in your pocket!

Let us protect your dreams, and help you save money, too!

When you combine different types of American Family Insurance products, you could qualify for some nice discounts, depending on your state, the type of discount and other factors.

For instance, when you bundle your auto and home insurance, you could qualify for an auto premium discount ranging from 15 to 20 percent. Likewise, you could save on your homeowners premium when you bundle it with auto insurance.

You also could qualify for a 5 percent insurance discount on your homeowners, renters or condominium policy when you purchase the additional liability protection of an American Family Umbrella Policy.

If you drive safely, you could save money, too. Drivers without accidents, traffic violations or claims may be eligible for a discount on their auto insurance premium.

American Family offers a variety of other discounts and bundled discounts, too.

Want to find out if you can qualify for money-saving discounts? Contact your American Family Insurance agent today. One call could help you keep more money in your pocket!

Note: Not all drivers will be eligible for discounts. See your American Family Insurance agent for complete details and eligibility guidelines.

Check out these related resources:

Insurance Agent Locator

Insurance Quote Request Form

Custom Protection Tool

Be Safe When Lightning Threatens
Be Safe When Lightning Threatens

Be Safe When Lightning Threatens

Protect yourself and your family in an electrical storm.

While lightning is pretty to watch, it can be deadly and destructive.

On average, lightning kills 54 Americans every year and injures 400. In addition, lightning causes significant property damage – nearly $1 billion in 2012.

Minimize your risk

Outdoors, there’s no absolutely safe place during a thunderstorm. When you first see lightning, start counting. If you hear thunder before you reach 30, go indoors. As the National Oceanic and Atmospheric Administration puts it, “When thunder roars, go indoors.”

Your best shelter in a thunderstorm is a building that’s well-grounded. These are buildings with electrical wiring, plumbing, etc., and include homes, offices and schools. Avoid small, open shelters on golf courses, at parks and in picnic areas. These structures are designed for protection from rain and sun – not lightning.

If you can't get to safe shelter, avoid open fields, tops of hills and ridges. Stay away from isolated trees or other tall objects, and avoid water, wet items and metal.

Be safe inside

Once inside, avoid contact with concrete walls, which may contain metal reinforcing bars. Don’t touch anything that’s plugged into an electrical outlet or connected to water. Also, stay away from corded phones. Cell phones and cordless phones are safe since there’s no direct wire to you from the building. Whenever possible, unplug appliances or electronic equipment before a thunderstorm threatens.

Remember your pets, too. Outdoor dog houses aren’t lightning-safe; dogs on a chain attached to trees or wire runners can easily be a victim of a lightning strike.

While you can’t stop a storm from occurring, with care and common sense, you reduce your chance of injury or property damage.

Lightning Safety Quiz

  1. Lightning can strike the same place more than once. True or False?
  2. If it’s not raining or cloudy, you’re safe from lightning. True or False?
  3. If you can’t find shelter and are caught outside when lightning is about to strike, avoid lying flat on the ground. True or False?
  4. Inside a house, you’re 100 percent safe from lightning. True or False?


  1. True. Lightning often strikes the same place repeatedly, especially if it’s tall, pointy or isolated. For example, the Empire State Building is struck by lightning nearly 100 times a year.
  2. False. Lightning can strike 10-15 miles from thunderstorms.
  3. True. Do not lie flat on the ground, as it increases your chance of being affected by potentially deadly ground current. Continue to seek safe shelter indoors.
  4. False. Although a house generally is safe during a thunderstorm, contact with anything that conducts electricity can be hazardous. Stay off corded phones, and don’t touch electrical appliances, wires, TV cables, computers, plumbing and metal doors. Avoid windows, which can be shattered by flying objects.

Check out these related resources:

Storm Survival Kits

Tornado Safety

8 Ways to Save and Be Safe on Your Road Trip
protect your property from wildfires

8 Ways to Save and Be Safe on Your Road Trip

Realize your travel dreams safely and economically.

Road trips can be inspiring experiences, filled with adventure, spontaneity and fun times with those you care about.

In many ways, road trips are an essential part of the American Dream. After all, you’re pursuing the freedom to go where you want, when you want, on your own terms.

To get ready for your next road trip, here are eight steps for staying safe and saving money.

  1. Prep Your Ride: Check your lights, wipers, oil and air filters, battery, belts and fluids (oil, coolant, transmission, power steering and windshield washer) to make sure they’re road-ready. Ensure your tires have good treads and are properly inflated.
  2. Pack First Aid and Emergency Kits: Bring first aid items, and put together an emergency road kit including a warning light or flares, jumper cables, a flashlight, a fire extinguisher, motor oil, gloves, basic tools (pliers, screwdrivers, adjustable wrench), tire inflators and duct tape.
  3. Buckle Up, Check Car Seats: Always keep your seat belts fastened when you’re on the road. If you have little ones, make sure your car seats are the right size, up-to-date and installed correctly. For guidance, check the National Highway and Traffic Safety Administration’s Car Seat safety website.
  4. Stay Awake and Alert: Be well-rested before you get behind the wheel, and don’t drive if you’re sleepy. Switch with another driver every few hours, if possible. Don’t use your cell phone while driving – keep focused on the road.
  5. Be Fuel-Efficient: Don’t drive aggressively! All of that repeated sharp braking can cut highway mileage efficiency by a third. Too much speed is costly, too. Every 5 mph you drive above 50 mph is like paying an extra 24 cents a gallon. Avoiding aggressive, speedy driving is safer, too.
  6. ‘Appy’ Trails: Apps and websites can help you find good deals on gas (GasBuddy,, hotels (Kayak, HotelTonight) and restaurants (Foursquare, Groupon).*
  7. Be a Smart Saver: Check local newspapers for coupons. Stick to a daily budget, especially when it comes to dining. Use memberships in organizations to get discounts.
  8. Timing is Everything: Traveling during off-peak times and avoiding holidays helps you avoid higher hotel rates. Some hotels offer discounted rates for last-minute bookings, although that can backfire in popular places where rooms are scarce.

Want more road trip tips? Check out our “Dreaming of the Road” e-book.

*American Family Insurance does not endorse or assume responsibility for the use of any apps or websites referenced here.

Check out these related resources:

Auto Insurance Products

Certified Repair Program

Emergency Roadside Service