Last Updated August 2025
- Damage to your windshield may be covered by your auto insurance if you have comprehensive coverage.
- Check with your agent to see if your insurance company offers a glass buyback deductible.
The good news is, if you have comprehensive coverage, the cost of the repair is likely covered by your policy after you pay your deductible, if you have one.
Comprehensive is an optional auto coverage designed to help you financially cover your car against damage caused by something other than a collision. This could include things like theft, vandalism, or impact from objects, like a wayward golf ball or a rock kicked up on the highway. So, your policy may pay for repairs if it includes comprehensive auto coverage. Your comprehensive deductible would apply, and reimbursement for repair would depend on the extent of the damage and your deductible.
So, if my deductible is higher than the cost of the repair, I’m out of luck?
Not necessarily. Farmers offers a coverage option, available at an additional cost, called Glass Deductible Buyback. This coverage includes windshield and glass repair and replacement, and your only responsibility is a $100 deductible. Check with your agent to see if your auto policy offers something similar.
What happens if I’m driving down the highway and a golf ball hits my window?
If you can find the person who hit the wild shot, you might be able to make a claim against their insurance. Otherwise, comprehensive coverage can be a smart option to consider. And with the Glass Deductible Buyback coverage option, you would have coverage if your window is damaged by a golf ball, a rock or other misdirected projectiles.
Contact your insurance agent to understand exactly what kind of coverage you have, what your options for glass replacement coverage are, and select the coverage you want.
The information contained in this page is provided for general informational purposes only. Read our editorial standards for Insurance Questions and other content. We make no representations or warranties of any kind, express or implied. This does not refer to any specific insurance policy and nothing herein is intended to replace or modify any terms in your actual policy.
Farmers may also provide information on topics that are not directly about insurance policies or coverage that we believe could be helpful to you. Information in such articles is not meant as professional advice, and any reliance you place on such information is therefore strictly at your own risk.
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