I was driving on the highway and something fell from a truck and I hit it. It tore my bumper on my car.?

Question

If I decided to use my auto insurance, would this fall under comp or collision? would my rates go up? I need a new bumper cover.

(lower skirt on bumper cover)

Answer 1

Collision. And you probably have a deductable, so make a report to the insurance company and pay for the bumper. You probably wont cover the deductable so you will not actually have a claim on your insurance.

And no, it should not reflect on your rates.


Dodgeman, you seem to need to justify every answer by Prefacing every statement with "I own a repair shop" This does not make you an expert on every situation anymore than a gynecologist knows anything about Heart surgery. You sound silly when you give your resume on every answer. Do you by chance specialize in Auto Body? How about Insurance law? For pity sakes, youre divorced about 5 times arent you?

Answer 2

This will definitely fall under collision coverage. The only think that you can hit - even if it is not your fault - is an animal and have it fall under comprehensive coverage. You might make a play for hit and run (assuming that the person didn't stop), but honestly that is a long shot. If it worked your deductible would be waived under UMPD coverage (uninsured motorist property damage). Your rates may go up, but many companies now have an "accident forgiveness" provision which will not cause a rate increase if you've been with them for 3 to 5 years - depends on the company - that have been accident free. Also, unless they determine that you had an opportunity to avoid the collision and didn't do so, they will likely not raise your rates. You need to determine whether the cost of the repair exceeds your deductible and go from there. All of this is assuming that you didn't get the license plate number of the truck that dropped the item in which case you can go after them directly or allow your insurance company to repair your car and subrogate (go after) the other company to recoup their cost and your deductible. Good luck!

Answer 3

This would fall under collison.You would not be considered at fault because if it fell from a truck there is no time to go around it.Here is how the rate game works.If you are involved in an accident,and are at fault,and the damage to the other party is from 1dollar to 999dollars your rates will stay the same.Now if damages are over 999 dollars your rates could go up as much as 40 percent depending on amt of money insurance company pays out.Now if you are involved in an accident, and not at fault regardless if it cost's 20 thousand to fix your veh your rates WILL NOT GO UP.That is the common misconception people have.They think if they file a claim there rates will go up.Thats why you never here a insurance company tell you how it works cuz they rely on people to think that,and they save money every year from people who are scared to file a claim.Now dont get me wrong just because your rates wont go up if you are at fault and its less than a thousand dollars or your not at fault.If you keep having accidents and keeping making claims for example like one a month for a whole year your rates would then go up.

Answer 4

If it fell of a truck as in unsecured load then your insurance company should be able to go after the trucking company to pay for the damages. I would think this falls under comp. Not being your fault and having a deductible, I wouldn't think your rates wouldn't go up, but it is an insurance company and i have found that they make policy pretty much any damn way they please!

Answer 5

Normally if it is a "falling object" it is comprehensive. If you run over it in the road (and they will be able to tell the difference, so don't think about saying the opposite) then it is collision. But insurance companies do differ on how they handle these sometimes.

Answer 6

Sorry, there is little if any chance it is covered, especially if you don't know the trucking company that lost part of the load. You'd think it would be covered under hit and run, but in reality they would consider it your fault for following so close you didn't have room to get out of the way.

Answer 7

i own a repair shop,and comp wont cover it,and if you don't have full coverage its not going to cover it,because there going to say it might be driver error that caused it,since it probably didn't get it reported,if you did report it ,and a report was made on it, it might be covered but im doubting it,but id talk to my agent and be sure on this one,ins-company's can be tricky to deal with sometimes,,good luck i hope this help,s.

Answer 8

it's called "road hazard" and each state handles it differently. lol.