Who is liable for acorns that broke my windshield?

"Would the landlord or the property owner be liable for the damage? I only have liability insurance. I was parked at my girlfriend's house and her renters insurance won't cover the crack."

Answer provided by
Emily Maracle
Answered on Jul 28, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Unfortunately, without comprehensive insurance, your cracked windshield won’t be covered.
As the acorns fell from a tree, it’s not something another person is liable for, even if they own the property the tree is on.
You’ll be responsible for repairing or replacing your windshield. As glass repair and replacement is common, you should be able to find a company offering an affordable rate.
Even if you did have comprehensive coverage, you’d still have to pay your deductible. Repairing or replacing glass often ends up being less than your deductible, so you’d most likely have to pay out of pocket anyway.”

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