When you click on links to various merchants on this site and make a purchase, this can result in this site earning a commission. Affiliate programs and affiliations include, but are not limited to, the eBay Partner Network.
I have State Farm so may be different, but regardless of whether it was caused by someone else I just file through my Insurance and get it taken care of. It has never caused my rates to increase and hasn't effected my 10yr accident free discount.
State Farm here also. I Florida glass is covered 100% under comprehensive.
I had a car broken into at a Mall They broke the side window to gain entry, stole my car radio and stole some packages on the front seat. That was 3 separate State Farm Claims Glass and radio separate car claims and packages under Home Owners insurance.