Auto Insurance Claims: insurance claim, catastrophic damage, crazy man

Question
there was recently a crazy man at our house with a metal rod... he wanted a cigarette. when i refused to give it to him, he started trying to fight me and my father. in the end he smashed my windshield with the rod... ive only had insurance on this car for less then one month, i just bought the car. i have only liability coverage with no bodily injury on it. will they cover the windshield?

Answer
Hello,

you have 2 things going on here. You are not covered for this loss. In order to be covered you would need comprehensive coverage. Secondly if you had comp you would not want to use it here either because your rates may rise or they could drop you. It sucks, but insurance should only be use for catastrophic damage.
You can take the crazy man to court to pay for the windshield.

I too have a dilema. I have not had an accident in years. I just got a new carrier with full coverage. I had an accident and have a 1,000 deductible on collision. That is bad enough, but some jerk put a crease in the door of my rental car. I could turn this in as comp, but I might get cancelled. I will have to pay 800 from my pocket to fis that junk.
This is killing me and I am very angry at the Texan that did it. Like you found there are some real jeeks out there that don't care if they cost others money.

You can probably call around to junk yards and you might be able to get a used windshield installed for $150.

Rob