Comprehensive Insurance problem

Posted: Sun May 20, 2007 09:14 pm Post Subject: RE: Comprehensive Insurance problem

It depends on how you hit the rock and where it came from. If unavoidable, i.e. rock falling from overpass, rock picked up from highway debris, then you should be covered under comprehensive. If avoidable, i.e. you were at fault for driving wrecklessly into a rock, then that is collision.

Posted: Mon May 21, 2007 11:53 am Post Subject:

While not incorrect, not exact either. A "flying object" is considered a Comprehensive loss. If the rock was laying on the ground, it's a collision. Given the area of damage and the amount of damage (hard to imagine such a large roak would be inthe air), I'd say that your agent is correct and this is a Collision loss.

Posted: Tue May 22, 2007 03:56 am Post Subject:

How you hit the car? Are you driving your car blindly? If you hit the car means your fault you have done it intensionally and now you are claiming for that.

Posted: Tue May 22, 2007 04:47 am Post Subject:

The break of my car failed and it hit the rock. Otherwise, people do not cause damages to their cars themselves, do they? And I think we buy insurance to cover ourselves from such incidents.

Posted: Tue May 22, 2007 09:02 pm Post Subject:

Yes, it's a _far_ stretch to reach some type of intential act... especially when it comes to hitting a rock as (and janice mentioneds this), it's difficult to beleive anyone would want to run their vehicel into a rock. If they were drunk, not paying attention, etc, it's still not "intential" and not paying attention to the road does not exclude coverage. If it did, insurance carrier would almost never pay a claim. That is why they are called "accidents".

Posted: Wed May 23, 2007 05:23 am Post Subject:

Janice, have you explained your situation to the insurance company?
Have you claimed right after the accident happened?

Posted: Thu May 24, 2007 04:31 am Post Subject:

Janice, have you explained your situation to the insurance company?
Have you claimed right after the accident happened?

Posted: Fri Jun 08, 2007 09:51 pm Post Subject:

Any glass on a vehicle with full glass is usually covered. Plastic, is not however.



*System Edited : Link moved to Signature as per TOS

Posted: Sat Jun 09, 2007 03:33 am Post Subject:

Again... yes plastic (or whatever) IS covered under comprehensive. Again... it does not matter WHAT was damaged, it's HOW it was damaged.

Posted: Fri Aug 17, 2007 03:07 am Post Subject:

Ooooh, those losses stink. By the way, I know it's hard to believe, but people run into things ALL THE TIME, and you wouldn't believe some of the stories I've heard over my career. But that's another story.

TCope pretty much nailed it. The bottom line is that Comprehensive, sometimes called Other Than Collision, covers (as the name implies) things caused by other than a collision.

Many think that if you hit or get hit by anything OTHER than another car- it's not a collision loss. Unfortunately, that's not the case. Many things that sound like they aren't collisions, like the rock mentioned in the OPs message, a shopping cart hitting your car and a myriad of other things ARE considered a collision loss. As such, if there's coverage, that's the deductible that applies.

Lastly, if you're referring to your vehicle and use the term "comprehensive coverage," don't think that alone means your vehicle is completely insured. That's only one specific part of a package of coverages. "Full" coverage will protect just about all kinds of losses, including the one described in the OP.

Hope some of the info applies! 8)
InsTeacher