(California driver) Yesterday I was driving home on the freeway, in the fast lane next to a concrete wall. My car was set on cruise with vehicle spacing adjustment on as this was the end of a 400+ mile drive. Suddenly from underneath the car in front of me shot out a metal plate, maybe a foot long, 5-6 inches in width. I think they were trying to drive around it as they swerved slightly but it seemed to shoot out from their tire. With heavy traffic on my right and the concrete barrier on my left I didn’t have much room to maneuver and did my best to drive over it however it hit something in my undercarriage and within a mile my car stopped accelerating and I pulled over with my hazards to the side of the road. I had it towed and I am waiting on a call from the shop.
Would this be covered under comprehensive? Will it cause my rate to go up?
If it matters my record is clean, zero tickets or accidents and we’ve been with company for 10+ years
Would this be covered under comprehensive?
byu/Proud-Concert6840 inInsurance
Posted by Proud-Concert6840
4 Comments
No. Based off the point of impact and the facts of loss this would be considered an at fault accident because you collided (collision coverage) with an object.
Insurance will take a statement and confirm which it would fall under. They also might need to check the damage to see. Usually an object that is still in the road and hit is collision, which means if so that it would be at fault.
This would be a collision claim, not comprehensive. Comprehensive claims are for anything other than collision (theft, fire, flood).
If the object was moving its comprehensive. Stationary its collision