[jbp8653]

Originally Posted by SSDan

I'm sorry. You missed my point. If your insurance company would accept that this was from flying debris then it would be covered as a comprehensive coverage claim and not subject to being a chargeable loss and raising your rates. But if the company pushed back and said you collided with an object laying in the road then it would be considered a collision coverage loss and subject to being a chargeable accident and raising your rates.

Here is the difference. If something flies into you car (its moving under its own momentum when it strikes your car) - its a comprehensive coverage loss. If you run into something that is laying on the road and not moving then its a collision coverage loss. Collision coverage losses are the ones that cause rate increases.

Looks like its a moot point as you've already put the car in the shop and started repairs. Good luck and I hope you get it back in good repair quickly.

Great info!!! Learn something new every day!!!!