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Who is liable if a ball hits your car?
Some teenagers were playing catch and a baseball hit my rear window and cracked it. Who is responsible for paying for the damages?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Getting your window broken is no fun! While the teenagers should own up and offer (or have their parents offer) to pay for the damage, they aren’t technically liable for the damage. If they don’t offer or you don’t get their information, you’ll have to pay for the damage unless you pursue legal action.
If you have full coverage
car insurance
, you can submit a claim for the window under your comprehensive coverage
policy. Typically, comprehensive will cover broken glass. That said, you will have to pay your comprehensive deductible. If you have a $500 deductible, for example. but only $400 worth of damage, you’ll end up having to pay for the repairs yourself.
Should you choose to add coverage to your policy or make changes after this, shop around. Rates vary between companies and you may be able to find a better price for the coverage your require. You can find quotes yourself online or use the
Jerry
app. Jerry gathers quotes from the top 50 providers and delivers the best deals to your phone in minutes for free.” View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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