"Does FL car insurance pay for broken eyeglasses in a car accident? "

I am in FL and my prescription glasses got broken when I was rear-ended in an accident. Will the insurance pay for new glasses? And my cell phone got broken, too!

Answer provided by
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Shannon Martin
Answered on Apr 14, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Yes, your glasses would be covered as a medical expense under your Florida personal injury protection (PIP) coverage. This coverage is for medical expenses, regardless of who is at fault for the accident.
The damage to the cell phone would depend on the liability for the accident. Because you were rear-ended, the other party is liable for the damage to the phone. This type of claim is covered under their [property damage liability](https://getjerry.com/car-insurance/property-damage-liability coverage).
If you had been at fault for the accident, there would be no coverage for the damaged phone. Hope this helps! “
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