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Started By
Message
Car insurance claim: collision or comprehensive?
Posted on 11/18/20 at 7:13 pm
Posted on 11/18/20 at 7:13 pm
I had a situation about a week ago driving down I-110 where a metal basket (picture shopping cart minus the wheels) came bouncing across the lanes and hit the bumper on my truck. Not much damage, but truck is less than 5 months old. Reached out to my agent who is a longtime friend and was told it would be covered under my $0 deductible comp. The adjuster tells me today it is collision which has a deductible. As stated, not much damage but on a new, nice truck I hoped to get it fixed. Small scratches on painted bumper and scratches/gouges in the air dam below the bumper.
Anyone have experience on which coverage scenario applies? Agent and adjuster arguing it out for now.
Anyone have experience on which coverage scenario applies? Agent and adjuster arguing it out for now.
16
Posted on 11/18/20 at 7:14 pm to killinme_smalls
Did you collide with it or comprehend it?
There’s your answer.
There’s your answer.
Posted on 11/18/20 at 7:14 pm to killinme_smalls
I’m guessing comprehensive. Husband was driving and hit a raccoon — did a giod bit of damage and it was under comp.
This was many years ago and Farm Bureau.
This was many years ago and Farm Bureau.
Posted on 11/18/20 at 7:16 pm to killinme_smalls
Which scenario screws you and helps insurance?
The answer is you always get screwed
The answer is you always get screwed
Posted on 11/18/20 at 7:17 pm to killinme_smalls
quote:
Comprehensive coverage is a type of insurance that protects your car from things other than an accident, like falling objects and vandalism. Collision coverage is a different type of insurance that covers damage to your own vehicle due to a collision with another car or object.
Posted on 11/18/20 at 7:17 pm to killinme_smalls
Hopefully you had the optional buggy rider.
Posted on 11/18/20 at 7:19 pm to killinme_smalls
When I hit a deer mine filled under comprehensive. No deductible
Posted on 11/18/20 at 7:21 pm to killinme_smalls
quote:
collision which has a deductible
Went through something similar about 6 months ago with wife hitting something in the road she couldn't avoid. And a chargeable accident as well when you file the claim.
Posted on 11/18/20 at 7:24 pm to killinme_smalls
It’s collision. Would only be comp if you hit an animal.
Posted on 11/18/20 at 7:29 pm to killinme_smalls
They will choose whichever one befits them the most and you will bend over and take it like a man.
Posted on 11/18/20 at 7:30 pm to PrivatePublic
quote:
They will choose whichever one befits them the most and you will bend over and take it like a man.
Except it’s clearly stated in the policy that no one cares to read.
Posted on 11/18/20 at 7:32 pm to killinme_smalls
quote:
scratches/gouges in the air dam below the bumper.
Just remove the air dam. It comes off with a few screws.
Posted on 11/18/20 at 7:33 pm to DCtiger1
Policy schmolicy. the meaning of words depend on who is reading them.
Posted on 11/18/20 at 7:33 pm to killinme_smalls
Friend is an idiot
Was there any damage to your truck nutz?
Was there any damage to your truck nutz?
Posted on 11/18/20 at 7:35 pm to PrivatePublic
quote:
Policy schmolicy. the meaning of words depend on who is reading them.
Negative ghost rider, it’s clear as day and is a legal binding contract. Can’t help you’re a retard
Posted on 11/18/20 at 7:54 pm to killinme_smalls
Stationary object of a vehicle it’s collision. You say the basket was moving, that’s comp.
Posted on 11/18/20 at 8:01 pm to killinme_smalls
quote:
collision or comprehensive
quote:
I had a situation about a week ago driving down I-110
Posted on 11/18/20 at 8:05 pm to killinme_smalls
I know this for a fact; DO NOT tell insurance it bounced. Once it contacts the ground, it’s collision. MAKE sure you tell them it was in the air, that is comp.
Posted on 11/18/20 at 8:07 pm to Skippy1013
quote:
You say the basket was moving, that’s comp.
Yep. Same thing happened to me. A piece of tire tread kicked up by the car in front of me. My agent told me that they considered it a “falling missile.” It was covered under comprehensive. If it was laying in the road and I hit it, then it would’ve been collision.
This post was edited on 11/18/20 at 8:09 pm
Posted on 11/18/20 at 8:07 pm to BHM
quote:
object
An animal crosses the street, a basket is in the street by no action of its own. Collision...
This post was edited on 11/18/20 at 8:15 pm
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