QuestionQUESTION: Does my comprehensive coverage cover my broken glasses due to the car accident if the fault is not at the other car driver or the comprehensive coverage only kicks in if the fault is at the other car driver?
ANSWER: Comprehensive coverage is generally for damages to your vehicle that are caused by perils other than collision, but only damages to your vehicle. Eyeglasses are not covered under your auto policy.
Property that you own that is not part of the vehicle is not covered by any part of your auto policy, but may be covered under your homeowner's policy. It is possible that your medical payments or PIP coverage would cover your prescription glasses, but you would have to consult the policy and your specific State's rules about what is considered a medical injury.
I hope this helps.
---------- FOLLOW-UP ----------
QUESTION: Let me ask a follow up question and this time assuming the fault is at the other car driver.
Can I claim the comprehensive from the OTHER car insurance for the damage of my eyeglasses due to the car accident if the fault was at the other car driver?
AnswerYes!
The other driver (if at fault) is responsible for your damages in general and those damages are not dictated in a contract, rather they are dictated by tort law.
Let me clear up one thing for you. . . comprehensive coverage is coverage that you buy for yourself. If you file on the OTHER person's insurance then you are always filing a liability claim. Being liable, being responsible, being negligent, being at fault are all really close to the same thing. If you cause an accident, then you are liable and your liability coverage pays for damages that you cause, regardless of whether the damages are to eyeglasses, legs, cars, or property that is inside of a car, like a cell phone or such. Liability coverage will pay for lost wages, pain and suffering, and a list of other "damages".
I hope that helps!
