I’ve seen this one paid both ways:

The insured is driving down the street. A car coming in the opposite direction hits a large rock in the road and the rock slides across the surface of the road. The insured runs over the moving rock and it damages the oil pan of the vehicle.

Is it a collision claim or a comprehensive claim?

 

  • mbrcatz 2:28 am on September 6, 2010

    Collision – it was on the surface of the road. For it to be comprehensive, it has to be a falling object/missle. It’s clearly not a falling object . . . there’s an arguement for a missle, but I think that it would be darned tough to prove. That’s not typically how a rock moves, when hit by a truck. It will bounce UP, then become a falling object.