Clearing the Air: Does State Farm Insurance Cover OEM Windshields?

Wondering if State Farm covers OEM windshield replacement? Find out here and ensure your vehicle gets the best quality parts!

When it comes to windshield replacement, car insurance is a crucial factor to consider. One common question that drivers ask is, Does State Farm cover OEM windshield? For those who don’t know, OEM stands for Original Equipment Manufacturer, which means the windshield is made by the same company that supplied the automaker with the original part. The answer to this question is not as straightforward as you might think, but it’s essential to understand what your insurance policy covers and what it does not. In this article, we’ll dive deeper into State Farm’s windshield coverage and explore whether they provide OEM windshield replacement or not. So, buckle up and let’s get started!

State Farm is one of the biggest insurance companies in the United States, providing policies for homes, cars, and other types of property. One of the most common questions that people ask about State Farm is whether they cover OEM windshields. In this article, we will explore the answer to this question and provide you with a comprehensive guide to State Farm’s policy on OEM windshields.## What is an OEM Windshield?Before we delve into whether State Farm covers OEM windshields or not, let us first understand what an OEM windshield is. OEM stands for Original Equipment Manufacturer. When you purchase a new car, it comes equipped with an OEM windshield that is made by the same manufacturer who built the car. These windshields are designed to fit perfectly with your vehicle and offer the same level of safety as the original windshield.## Does State Farm Cover OEM Windshields?The short answer to this question is yes; State Farm does cover OEM windshields. However, there are certain conditions that you need to meet to qualify for this coverage. State Farm’s policy on OEM windshields is as follows:- If your car is less than two years old, State Farm will replace the windshield with an OEM windshield.- If your car is more than two years old, State Farm will replace the windshield with an aftermarket windshield.## What is an Aftermarket Windshield?An aftermarket windshield is a windshield that is made by a third-party manufacturer and not the original equipment manufacturer. These windshields are often cheaper than OEM windshields and may not offer the same level of safety and quality as OEM windshields.## Why Does State Farm Replace Windshields with Aftermarket Windshields?State Farm replaces windshields with aftermarket windshields for cars that are more than two years old to keep costs low. Since aftermarket windshields are cheaper than OEM windshields, State Farm can save money on replacement costs by using them. However, it’s important to note that aftermarket windshields still meet safety standards and are certified by the Department of Transportation.## What if I Want an OEM Windshield for My Car?If you want an OEM windshield for your car, you can still get one through State Farm, but you will have to pay the difference in cost between the OEM and aftermarket windshield. This cost may vary depending on the make and model of your car.## How Can I Ensure That I Get an OEM Windshield?To ensure that you get an OEM windshield for your car, you should ask your insurance agent about the policy on OEM windshields. If your car is less than two years old, you will automatically get an OEM windshield. If your car is older than two years, you can ask for an OEM windshield and pay the difference in cost.## What Should I Do if My Windshield Gets Damaged?If your windshield gets damaged, you should contact State Farm as soon as possible to file a claim. The claims process is simple and straightforward, and State Farm has a network of approved glass repair shops that you can take your car to for repairs.## Can I Choose My Own Glass Repair Shop?Yes, you can choose your own glass repair shop for your windshield repairs. However, it’s important to note that if you choose a shop that is not in State Farm’s approved network, you may be responsible for any additional costs that are not covered by your insurance policy.## What Other Types of Windshield Coverage Does State Farm Offer?In addition to OEM windshield coverage, State Farm also offers a range of other windshield coverage options, including:- Comprehensive coverage: This coverage protects you against damages caused by things like weather, theft, and vandalism.- Liability coverage: This coverage protects you if you are responsible for damages to another person’s car or property.- Collision coverage: This coverage protects you against damages caused by collisions with other cars or objects.## ConclusionIn conclusion, State Farm does cover OEM windshields, but only for cars that are less than two years old. If your car is older than two years, you can still get an OEM windshield, but you will have to pay the difference in cost between the OEM and aftermarket windshield. To ensure that you get an OEM windshield, you should ask your insurance agent about the policy on OEM windshields.

As a responsible car owner, you know that maintaining your vehicle’s integrity is of utmost importance. And when it comes to your windshield, you can’t compromise on quality. Only an OEM (Original Equipment Manufacturer) windshield will suffice, as it is specifically designed for your car and meets the highest safety standards.

If you’re wondering if State Farm covers OEM windshields, the answer is yes. State Farm understands the significance of maintaining your vehicle’s safety and integrity, which is why they offer coverage for OEM glass.

If your windshield is damaged, don’t hesitate to file a claim with State Farm. The claims process is simple, and they will help you get the repairs or replacement you need as quickly as possible. To file a claim, call their claims department or file a claim online, providing some basic information about your car and the damage to your windshield.

Once you file a claim with State Farm, they’ll schedule an appointment with one of their approved windshield repair or replacement vendors. You can expect to have your windshield repaired or replaced within a few days, depending on the availability of the replacement part.

If you have comprehensive coverage with State Farm, you may not have to pay a deductible for windshield repairs or replacement. However, if you do have to pay a deductible, it will typically be a low amount.

If you want to upgrade to an OEM windshield, you may be able to do so at an additional cost. Talk to your State Farm agent about your options for upgrading to OEM glass. The benefits of OEM windshield coverage include peace of mind knowing you’re maintaining your car’s safety and integrity, as well as the knowledge that the work is being done by a qualified professional.

Choosing State Farm for windshield coverage is an excellent decision. They are a trusted insurance provider with a reputation for outstanding customer service. Their understanding of the importance of maintaining your vehicle’s safety and integrity is evident in their coverage for OEM windshields.

Don’t compromise on the quality of your windshield. Contact State Farm today to ensure that your car is equipped with an OEM windshield, and enjoy peace of mind knowing that your vehicle is safe and secure.

As an AI language model, I do not have personal experiences to share in a story format. However, I can provide information and insights about State Farm’s coverage for OEM windshields.

What is OEM Windshield?

OEM stands for Original Equipment Manufacturer. An OEM windshield is a replacement windshield that has been manufactured by the same company that produced the original windshield of your vehicle. OEM windshields are known for their quality and durability, and they usually fit more precisely than aftermarket windshields.

Does State Farm Cover OEM Windshield?

Yes, State Farm covers OEM windshields under their comprehensive auto insurance policies. If your windshield gets damaged due to an accident, vandalism, or any other covered peril, State Farm will pay for the cost of repairing or replacing the windshield with an OEM windshield.

What are the Benefits of Choosing an OEM Windshield?

Choosing an OEM windshield for your vehicle can offer several benefits:

1. High-quality materials: OEM windshields are made with high-quality materials that meet the manufacturer’s standards, ensuring better visibility, safety, and durability.
2. Precise fit: OEM windshields are designed to fit your vehicle’s make and model perfectly, which means there is less chance of leaks, wind noise, or other issues that may occur with an aftermarket windshield.
3. Warranty: OEM windshields often come with a warranty from the manufacturer, which can give you peace of mind and protection against defects or damages.

Conclusion

If you have comprehensive auto insurance coverage from State Farm and your windshield gets damaged, you can rest assured that State Farm will cover the cost of replacing it with an OEM windshield. Choosing an OEM windshield can offer several benefits, including high-quality materials, precise fit, and warranty. So, if you want to ensure the best possible repair or replacement for your windshield, consider choosing an OEM windshield.

Well, folks, we’ve come to the end of our discussion on State Farm’s coverage for OEM windshields. We hope that this article has been helpful in shedding some light on this topic and answering any questions you may have had.

As we mentioned earlier, State Farm does cover OEM windshields, but it ultimately depends on the policyholder’s specific coverage options. It’s important to review your policy carefully to ensure that you have the coverage you need for your vehicle’s windshield.

Remember, if you do need to file a claim for a damaged windshield, State Farm has a simple and straightforward claims process. You can file a claim online or through their mobile app, and they’ll work with you to get your vehicle back on the road as quickly as possible.

Thank you for taking the time to read this article and learn more about State Farm’s coverage for OEM windshields. We hope that you found the information useful, and if you have any further questions or concerns, don’t hesitate to reach out to State Farm directly or speak with your local agent. Safe travels!

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People often have questions about whether or not State Farm covers OEM windshields. Let’s take a closer look at some of the most common questions:

1. Does State Farm cover OEM windshields?

Yes, State Farm does cover OEM windshields. However, it is important to note that coverage may vary depending on your specific policy and state regulations.

2. Is there an additional cost for an OEM windshield?

There may be an additional cost for an OEM windshield, as they are generally more expensive than aftermarket options. However, if your policy covers OEM parts, State Farm should cover the cost difference.

3. Do I have to use an OEM windshield?

No, you do not have to use an OEM windshield. However, if you choose to use an aftermarket windshield, it may not be covered under your State Farm policy and could potentially void your warranty.

4. How do I know if my policy covers OEM parts?

You can check your policy details or contact your State Farm agent to find out if your policy covers OEM parts. Additionally, state laws may require insurance companies to offer OEM coverage as an option.

5. What should I do if my windshield needs to be replaced?

If your windshield needs to be replaced, you should contact your State Farm agent or file a claim online or through the mobile app. They will be able to provide more information on your coverage and help you schedule a repair or replacement.

Remember, it is always important to read the details of your policy and speak with your agent to ensure you have the coverage you need for your specific situation.