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

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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 21, 2011

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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.

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