2 days before Christmas the
2 days before Christmas the weather in Newark NY was frigid. I went out to my car and there was this long horizontal crack across the window. Nothing had hit me nor I hit anything. It just happened when we were sleeping. I called my insurance company and got told I had no coverage. For some reason they had my car as only liability…. Not full collision like I always have. Besides obviously changing my insurance compy, now I need to pay for a new windshield myself. Now I’m reading these incidents are happening for no reason. I don’t have this extra money and my car was just turned down for inspection because of this. Help!