If I only have pip is my windshield covered from tree falling on 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 22, 2018

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Insurance Question from Silver Springs, FL

Asked on 07/22/2018

If I only have pip is my windshield covered from tree falling on it I had a tree fall on my car and busted my windshield and I live in FL so need to know if my insurance will cover it I only have PIP

Answer given on July 28, 2018

If your auto insurance policy only covers you for liability, or PIP, your insurance policy will not cover your windshield for damage. Liability coverage only protects you for bodily injury or property damage to others that you cause due to an automobile accident.  You can purchase comprehensive coverage for a reasonable cost and the deductible is usually low – $50 to $100.  If your car is not over 15 years old, this is a good purchase and can protect you for such damages, as well as vandalism, storm damage and theft.

You will have to pay for the repairs for the windshield this time, but think about buying comprehensive coverage going forward for such damages. Talk to your insurance agent or company for the cost but it is very affordable.

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