I have PIP and liability and my windshield was hit by a buzzard and it was cracked. Will my insurance company replace it?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 11, 2010

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Insurance Question from Vero Beach, FL

Asked on 07/11/2010

I have PIP and liability and my windshield was hit by a buzzard and it was cracked. Will my insurance company replace it? NULL

Answer given on July 11, 2010

The insurance that you are currently carrying is liability insurance.  You need to have comprehensive and/or glass coverage to protect you for the damages caused by the buzzard.  The standard auto policy covers damages by birds, deer or other wild animals under the comprehensive coverage.  Comprehensive insurance also includes fire, theft, vandalism, flood and other damages, other than collision.  Some companies also have a separate deductible for damage to windows, but you still need the comprehensive coverage.  Please be sure to talk to your insurance agent to be sure you understand what insurance coverage you currently have on your car.  Comprehensive insurance is generally inexpensive, so you may want to consider adding this coverage to your policy if you don’t currently have it.

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