Reader’s Question:
A tree limb fell on my windshield and I would like to know if my liability insurance in Boise, Idaho will cover this?
Jane
Boise, ID
No, if a tree limb that damaged your windshield will not be covered under your liability insurance. I suggest that you check with insurance agent if your property damage insurance will cover the damages.
Your property damage liability covers you if your vehicle damages other people’s property. Normally it is their automobile, however it could be a a house or a fence or any other property damaged in an accident. Bodily injury liability may also give for a legal defense if another driver in the accident files a lawsuit against you.
You will need a physical damage of comprehensive coverage on your vehicle so that your windshield will be covered from the tree limb.
If you only have the liability coverage in Boise, Idaho and you do not have the comprehensive coverage on your car your car insurance will not pay for the damage to your windshield. You may be able to obtain car insurance policy quotes on this website for physical damages of collision and comprehensive so that in the future your vehicle will be fully protected by your auto insurance.