a man getting into a car

Safelite Windshield and Auto Glass Repair Insurance


Sometimes, you don’t really notice the windows or windshield you look through every day until they chip or break. And then, they’re all you look at. You may be wondering what to do next, and you may have a lot of questions like:

  • How can such a small piece of gravel cause such a big crack?
  • Are windshields covered under insurance?
  • Do I have to submit a windshield chip insurance claim?
  • What is a glass claim and how do I file one?

Here’s some good news: We’ve got answers for you! With the help of American Family Insurance and our trusted partner, Safelite, your broken window or windshield trouble will soon be behind you.

Safelite is an industry leader of auto glass and windshield replacement, providing the highest quality services for their customers. Whether it’s a quick windshield chip repair or a full-on replacement, Safelite window repair will get your windows taken care of so you can safely get back on the road.


How Do Auto Glass Claims & the Safelite Glass Repair Program Work?

American Family glass claims are a simple process! Submitting an auto glass claim or a windshield chip insurance claim only takes a few minutes:

  • First, file a claim. You’ll need your policy number and the date the damage occurred to complete the claim filing process.
  • Then,  Safelite will collect some facts about your claim and help you set up an appointment to get your window repaired or replaced.

To make it even easier, Safelite offers a mobile auto glass service — meaning they’ll come to you to repair your broken window or windshield. Now that’s convenient! Or, you can set up an appointment to stop by one of their 700+ facilities nationwide, where services typically take less than an hour.

And you can also contact American Family Insurance’s Glass Claims Department at 4. They’ll help you through the process.

For even more convenience, download the MyAmFam app to file and track the status of a glass repair claim.

Does Insurance Cover Cracked or Chipped Windshields?

Windshield insurance coverage depends on the type of auto glass coverage you have — and the extent of the damage. Typically, a comprehensive policy will cover auto glass repair or a windshield replacement if the damage was caused by a covered event.

If you have a small chip, ding or crack, you can typically avoid a full windshield replacement. Windshield repair insurance and windshield replacement insurance typically fall under the same category. But it really will depend on the type of auto insurance coverage you have.

Windshield dings and chips are easy to repair, and with American Family Insurance, they typically won’t cost you any money out of your pocket. Getting it taken care of right away can help you avoid a bigger, more expensive problem down the road, so reach out as soon as you notice any issues.

It’s key to know how to repair or replace a windshield through insurance so you know what to do if a crack appears.

Does Insurance Cover Windshield Replacement?

A full windshield replacement usually requires a deductible, but options like comprehensive coverage can help lower the costs of replacing your windshield.

At American Family Insurance, if your windshield is repaired instead of replaced for a covered comprehensive loss, the deductible — which is the amount you pay before your insurance company steps in — is usually waived. However, if the windshield needs to be replaced, a deductible may be applied.

If your windshield is damaged in a car accident, your collision insurance would cover repairs or replacement. Your collision insurance will require a deductible.

American Family Insurance’s Car Repair Program

American Family Insurance also has a fast and convenient auto claims service. Our Dreams Restored Program (DRP) helps connect you with a trusted, customer-friendly shop for quick and reliable service.
We know you’re busy pursuing all the things that matter most to you — that’s why when the unexpected happens, like a cracked or broken windshield, we want to get you back to what’s most important. Contact your agent for assistance with filing a claim or to get support with your claim. With help from American Family Insurance and Safelite, we’ll take care of you by providing the specialized expertise you deserve.

This article does not afford any coverage. Please refer to your policy for specific information.