I hit something
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I hit something
Wow this sucks. I was driving down the local interstate and a piece of metal fell of the truck in front of me. 
Heres the damage... How do think insurance would classify this as a comprehensive or an accident?
Heres the damage... How do think insurance would classify this as a comprehensive or an accident?
Nope 
Unless it was stolen
or an animal kicked your car 
Comprehensive Coverage
Covers your vehicle, and sometimes other vehicles you may be driving for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket. Coverage is limited to the terms and conditions contained in the policy.
Collision Coverage
Covers damage to your car when your car hits, or is hit by, another vehicle, or other object. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as large a deductible as you feel comfortable paying out of pocket. For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car. Coverage is limited to the terms and conditions contained in the policy.
Unless it was stolen
or an animal kicked your car Comprehensive Coverage
Covers your vehicle, and sometimes other vehicles you may be driving for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket. Coverage is limited to the terms and conditions contained in the policy.
Collision Coverage
Covers damage to your car when your car hits, or is hit by, another vehicle, or other object. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as large a deductible as you feel comfortable paying out of pocket. For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car. Coverage is limited to the terms and conditions contained in the policy.
Last edited by BoosTED; Jan 27, 2006 at 12:10 AM.
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That's a shame. Yeah, you need a pen and little pad somewhere close-by in the car. I don't have that in my `8 right now, but I'll fix that today. You *must* get the license plate number or something to identify the other vehicle or you eat all the damages. Gone are the days when folks would stop and take responsibility for their actions.
To cheer you up I have a story of greater woe - my wife swerved her van into a ditch to avoid on oncoming full-size pick-up truck which was shooting down the hill around the corner on the wrong side of the road. She got a good look at the driver and the surprised expression on his face. Going in the ditch did ~$3,000 damage to the front end.
The insurance company covered it (minus deductible), but said it would count against us as a single-vehicle accident.
My wife was outraged. She shouted at the claims advisor on the phone, "you mean you're going to punish me for not hitting that 2nd car?!?!" and various things to that effect (something like, 'fine, next time I'll hit the m--- f---er'). They record their phone calls so at the end she got deadly serious and said calmly something to the effect of, "okay, then your companies policy is forcing me to change my driving strategy - next time I am face with a choice I will not avoid a collision because your policy takes advange of me if I do, do you understand that?"
Didn't do us any good. I'm still peeved at the insurance company to this day, but she had the three kids in her van and it was far safer to tear the plastic nose off in the ditch that to have an off-center, head-on collision with a truck.
Of course, if she had let him hit her then he probably would have turned out to be an uninsured motorist.
To cheer you up I have a story of greater woe - my wife swerved her van into a ditch to avoid on oncoming full-size pick-up truck which was shooting down the hill around the corner on the wrong side of the road. She got a good look at the driver and the surprised expression on his face. Going in the ditch did ~$3,000 damage to the front end.
The insurance company covered it (minus deductible), but said it would count against us as a single-vehicle accident.
My wife was outraged. She shouted at the claims advisor on the phone, "you mean you're going to punish me for not hitting that 2nd car?!?!" and various things to that effect (something like, 'fine, next time I'll hit the m--- f---er'). They record their phone calls so at the end she got deadly serious and said calmly something to the effect of, "okay, then your companies policy is forcing me to change my driving strategy - next time I am face with a choice I will not avoid a collision because your policy takes advange of me if I do, do you understand that?"
Didn't do us any good. I'm still peeved at the insurance company to this day, but she had the three kids in her van and it was far safer to tear the plastic nose off in the ditch that to have an off-center, head-on collision with a truck.
Of course, if she had let him hit her then he probably would have turned out to be an uninsured motorist.
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Joined: Nov 2005
Posts: 112
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From: Minnesota
That really sucks for you, seems like you are on a bad-luck streak 
Were you able to get any info off the truck that dropped the piece? License plate, or a company name or something?
A rock from a truck cracked my windshield, and it fell under a comprehensive claim with my insurance company. Sounds like a similar situation.
Were you able to get any info off the truck that dropped the piece? License plate, or a company name or something? A rock from a truck cracked my windshield, and it fell under a comprehensive claim with my insurance company. Sounds like a similar situation.
Last edited by Groo; Jan 27, 2006 at 10:50 AM.
I remember asking this same question a few years back.
(friend of mine was a VP @ AAA)
He said something to the extent of, "IF the item comes off of a moving vehicle and the item is STILL moving when you hit it, it will not be your fault. IF the item came off of a moving vehicle but is stationary when you strike it (like a 2x4 laying on the road) then it your fault since you were negligent and not observing the road very well."
^^^ The following was in reference to insurance in CA.
I'd ask your insurance company...might be tough since you didn't get the plate # but it doesn't hurt to ask.
(friend of mine was a VP @ AAA)
He said something to the extent of, "IF the item comes off of a moving vehicle and the item is STILL moving when you hit it, it will not be your fault. IF the item came off of a moving vehicle but is stationary when you strike it (like a 2x4 laying on the road) then it your fault since you were negligent and not observing the road very well."
^^^ The following was in reference to insurance in CA.
I'd ask your insurance company...might be tough since you didn't get the plate # but it doesn't hurt to ask.
Rotary only since 1980
Joined: May 2003
Posts: 587
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From: Southeast of Seattle
^^^ My insurance agent (State Farm) told me the same as Jedi54. If its a stationary object and you hit it, its considered collision. If its something in the road, its your responsibility to avoid it. If its a moving object, like something falling from the sky, then its comprehensive.
If you tell them that it was a piece of metal that was kicked up by a truck in another lane and bounced into your lane and hit your car, then it should be coverered under comprehensive. That's what happened, right? <wink><wink>
If you tell them that it was a piece of metal that was kicked up by a truck in another lane and bounced into your lane and hit your car, then it should be coverered under comprehensive. That's what happened, right? <wink><wink>
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Joined: Dec 2005
Posts: 2,327
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From: Portland, OR
My mom's car was hit by a metal disk-type thing that looked like a giant barbell or spool that fell off a truck (probably 15 years ago) and it was covered under comprehensive. It was bouncing and rolling and buzzed across the fender.
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