STATE FARM will replace the broken window, and THEY will go after the owner of the lot if they feel they can get a claim from them.
But this is a Comp claim, so maybe, maybe not. Comp claims also do not reflect on your insurance rate!
Too bad you have a deductible. I have a $0 deductible on my Comp (State Farm) because I am too broke to shell out $100 for any incident. Look into it. It`s only a couple dollars more a month.
Have state Farm for 22 years.....5 windshields, two rear windows, 1 stolen stereo, 2 accidents.
I pay $48 a month for my car Liability, and ZERO comp, Uninsured motorist WITH $10,000 property damage (you have to ask for that).
SAME coverage for my wifes car, but hers is $38 a month because she has the "ten-year-no-accidents" discount.
plus $6.88 a month for my scooter.