American Family Windshield Replacement & Auto Glass Claims

Glass damage on an American Family policy is typically handled under comprehensive coverage, which carries the deductible you selected when you bought the policy. Replacement claims typically apply that deductible, while the American Family glass repair program often handles qualifying chip repairs without you paying it — the repair costs the carrier less than a future replacement would. Whether your specific claim qualifies depends on your policy and the damage.

That distinction makes the repair-or-replace call financially meaningful: a repairable chip may cost you little or nothing through the program, while a replacement usually means paying your deductible. We will tell you honestly which category your damage falls into before you decide whether to file.

One practical note: if the cash price is below the deductible that applies to your claim, filing may provide little or no direct insurance payment — you would cover the cost yourself either way. Our quote shows the cash price so you can compare before deciding.

Many newer vehicles have a camera mounted behind the windshield that feeds driver-assistance systems like lane-keeping assist and automatic emergency braking. When the windshield is replaced on those vehicles, the camera may require an ADAS recalibration so those systems see the road correctly.

Whether recalibration is covered depends on your American Family policy and the details of your claim — mention your vehicle’s safety features when you file so the requirement is included. Auto Glass Guys performs ADAS recalibration in-house as part of our windshield replacement service.