My car was hit by someone on a bike and they broke the windshield.

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

UPDATED: Jul 21, 2011

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Marin City, CA

Asked on 07/21/2011

My car was hit by someone on a bike and they broke the windshield. Should their auto insurance pay for the damages?

Answer given on July 27, 2011

If the bike rider was at fault in the incident, their homeowner insurance should pay for the damage to your windshield. Bikes are not a part of automobile insurance, so that policy would not be the issue.Presuming they have home or renters insurance, their liability insurance provides some coverage for damage to property of others. They need to report the incident to their insurance agent. They would not have a deductible for the damages, and usually this kind of loss does not affect their homeowner rates. Of course, they could simply pay for the repairs to your windshield. The glass companies have some very fair deals for people who may not have insurance available.Finally, your insurance would cover, less your deductible, if you have collision insurance. Again, if the incident was not your fault, then your rates would not be affected. However, the deductible would apply. Your insurance company may try to recover their expeneses for the windshield from the bike rider and if successful they would refund all or part of your deductible.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption