Our insured owns a Tesla and the roof is all glass. A tree fell onto the roof of the vehicle. Would the roof be considered window glass (full glass coverage with no deductible)? OR would we handle as a comprehensive claim – falling objects and apply the deductible.
New York Subscriber
That's a really good question. The standard ISO form includes glass and falling objects in the same other than collision coverage and makes no distinction between the two.
Loss caused by the following is considered other than "collision": 1. Missiles or falling objects; 2. Fire; 3. Theft or larceny; 4. Explosion or earthquake; 5. Windstorm; 6. Hail, water or flood; 7. Malicious mischief or vandalism; 8. Riot or civil commotion; 9. Contact with bird or animal; or 10. Breakage of glass. If breakage of glass is caused by a "collision", you may elect to have it considered a loss caused by "collision".
A window is different than a roof, and some policies differentiate between windshields and windows as two different things. Depending on the damage, you could have damage to the roof and the back or front windshield or both, depending.