Insurance Partner
American Family Auto Glass Claims
American Family covers windshield replacement under comprehensive coverage. Deductibles run from $0 to $1000 depending on your policy, and in Florida, Arizona, South Carolina, and Kentucky you pay nothing at all. Windshield Station files the claim, documents the work, and bills American Family directly.
Typical Deductible
Depending on your specific comprehensive policy.
Zero Deductible States
By law, American Family waives the deductible for glass repair in these states:
How American Family handles glass claims
Glass damage is a comprehensive claim, not a collision claim, so American Family assigns no fault and the claim does not carry the rating consequences of an at-fault accident. Approval for glass is typically immediate and does not require an adjuster to inspect the vehicle.
We handle the entire process: verifying your coverage, confirming your deductible before anything is scheduled, filing the claim, documenting the installation including any ADAS recalibration, and billing American Family directly. Most customers never speak to their insurer at all.
Your American Family deductible
American Family comprehensive deductibles for glass commonly fall between $0 and $1000. In Florida, Arizona, South Carolina, and Kentucky, state law or policy structure removes the deductible entirely for windshield replacement.
Chip repair is a different matter: American Family, like nearly every carrier, generally waives the deductible on repairs completely. The arithmetic is simple — a resin repair costs them a fraction of a replacement, so they would much rather pay for it today.
You choose the shop, not American Family
American Family may recommend a network installer. In the great majority of states they cannot require one, and they are obligated to pay a reasonable market rate for work performed by the shop you select.
Because we bill American Family directly at standard rates, choosing us creates no additional paperwork or cost for you. Call (888) 897-5577 with your policy number and we will handle the rest.
The American Family Claim Process
Call us with your American Family policy number
We verify your comprehensive coverage and confirm your exact deductible before anything is scheduled, so the number you hear is the number you pay.
We file the claim
We open the glass claim with American Family on your behalf and obtain the authorization. You do not need to call them.
Technician comes to you
A certified installer arrives at your home, office, or job site with the correct glass for your VIN and completes the work on site.
We bill and document
We invoice American Family directly and retain full documentation of the installation and any ADAS calibration. You receive copies for your records.
Coverage Notes
- American Family offers optional full glass coverage in most states it writes in.
- Chip repair is covered at no cost under comprehensive.
- Claims can be authorized by phone in minutes, before your technician arrives.