Acuity Auto Insurance: Understanding Windshield Coverage

Acuity auto insurance offers comprehensive and collision coverage, which includes full windshield replacement. However, a full windshield replacement is subject to a deductible, so Acuity would only be able to make payments for the replacement for the amount that exceeds your deductible. Acuity also offers a Full Safety Glass Endorsement, which would waive your deductible, allowing them to cover the full amount. Acuity's website recommends checking the declarations page of your insurance policy or contacting your independent agent to ensure your vehicle has the Full Safety Glass Endorsement.

Acuity's Full Safety Glass Endorsement

The Full Safety Glass Endorsement is an additional coverage on top of your base policy and is not automatically included. You can check if you have this coverage by looking at the declarations page of your insurance policy. If you do not have it and would like to add it, you can contact your independent agent to discuss your options.

It is important to note that even with basic comprehensive or collision coverage, Acuity can help cover the damage to your windshield, but it will be subject to a deductible. This means that Acuity will only be able to make payments for the amount that exceeds your deductible.

Acuity has a close relationship with Safelite and its affiliate auto glass repair shops, making the replacement and billing process easy and convenient.

Comprehensive and collision coverage

Acuity, a well-known insurance company, offers comprehensive and collision coverage as part of its auto insurance policies. Acuity's comprehensive coverage includes protection for windshield damage caused by events other than collisions, such as animal hits, hail, or vandalism. Their collision coverage includes protection for windshield damage resulting from collisions with other vehicles or stationary objects. Basic comprehensive or collision coverage from Acuity provides full coverage for small chip repairs. However, for a full windshield replacement, you would need to pay a deductible, unless you have their Full Safety Glass Endorsement, which waives the deductible.

It's important to review your insurance policy or contact your insurance provider to understand the specific details of your comprehensive and collision coverage, including any deductibles or exclusions that may apply.

Deductibles and windshield replacement

Acuity auto insurance offers comprehensive and collision coverage to protect you against damage to your vehicle, including windshield damage. Basic comprehensive or collision coverage provides full coverage for a small chip repair. However, a full windshield replacement is subject to a deductible, meaning Acuity would only cover the amount that exceeds your deductible.

To avoid paying a deductible for a full windshield replacement, Acuity offers a Full Safety Glass Endorsement, which would waive the deductible, allowing you to be covered for the full amount. This endorsement is an additional coverage to your base policy and must be purchased separately.

If you live in a state with laws mandating insurance companies to waive deductibles for glass claims, such as Florida, Kentucky, and South Carolina, Acuity will not charge you a deductible for windshield replacement. In other states, such as Arizona, Connecticut, Massachusetts, Minnesota, and New York, Acuity offers the option of a $0 deductible for glass repair and replacement.

It is important to note that delaying repairs for a chipped or cracked windshield can lead to further damage. Therefore, it is recommended to file a claim as soon as possible and before any repairs are made.

Filing a claim for windshield damage

If you have a cracked or chipped windshield, you may be able to file a claim with Acuity to cover the cost of repairs or replacement. Here is a step-by-step guide on how to file a claim for windshield damage:

Step 1: Check Your Coverage

First, check if you have comprehensive or collision coverage, as this will help cover the damage to your windshield, depending on the cause. Basic comprehensive or collision coverage provides full coverage for small chip repairs. However, a full windshield replacement is subject to a deductible, so you would need to pay the amount until you reach your deductible before Acuity covers the remaining cost. Acuity also offers a Full Safety Glass Endorsement, which waives the deductible, allowing them to cover the full amount.

Step 2: Gather Information

If you have confirmed that your insurance policy covers windshield damage, the next step is to gather all the necessary information. This includes the date, time, and location of the incident, as well as the names and contact information of any other parties involved. If a police report was filed, be sure to have the report number handy as well. Additionally, you will need your Acuity policy number.

Step 3: Notify Acuity and File a Claim

You can file a claim with Acuity online, through their mobile app, or by calling their 24/7 claims line at 1-800-242-7666. It is important to file the claim as soon as possible and before making any repairs. The longer you wait, the more likely the chip or crack will spread, causing further damage.

Step 4: Understand Your Policy and Deductible

Review your policy documents, specifically the declarations page, to understand your coverage limits, deductibles, and any other valuable coverages included in your policy. This will help you know exactly what is covered and what you may need to pay out of pocket.

Step 5: Work with the Adjuster

Acuity will assign an adjuster to guide you through the claims process. They will be your point of contact and help you navigate any repairs or replacements needed for your windshield.

Step 6: Repair or Replace Your Windshield

Choose a reputable auto glass repair shop to fix your windshield. Acuity has a close relationship with Safelite and its affiliate auto glass repair shops, making the replacement and billing process easy. If you choose to use a different repair shop, be sure to get multiple quotes to ensure you are getting a fair price.

It is important to note that filing a claim for windshield damage may or may not affect your insurance premium, so be sure to discuss this with your insurer. Additionally, if you are approached unsolicited by someone offering to replace your windshield for free, contact Acuity first, as this could be a scam.

Acuity's bundling options

Acuity offers bundling options for customers who want to combine multiple insurance policies. By bundling your insurance, you can benefit from a single point of contact and more convenient management of your insurance portfolio. Acuity's two primary bundling packages are:

Auto and Home Insurance

Combining your auto insurance with homeowners or condo insurance can save you time and money. Acuity's most popular program, Road and Residence®, covers your vehicles, home, and other personal items. It includes replacement cost for your home and personal property, a high limit that can apply to any property, and a single deductible. This program offers an average bundling discount of 20%.

Auto and Renters Insurance

If you don't own a house or condo, you can still bundle your auto insurance with renters insurance to protect your personal items and liability. Acuity's Per-Pak® program offers flexibility, allowing you to combine any two or more policies. For example, you can bundle your boat and car insurance to receive additional discounts.

In addition to these primary bundling options, Acuity also offers a range of other insurance products that can be bundled, such as motorcycle, boat, camper, home, condo, and personal belongings coverage. By bundling your policies, you can typically expect a discount of up to 20% on your premiums.

Frequently asked questions