I’ve seen this paid both ways. Opinions?

An insured is driving a pickup trunk with a pallet full of bricks in the back. The driver brakes and the load of bricks slides forward and smashes the back of the cab of the truck and the back window.

Is it a collision claim or a comprehensive claim?

 

  • mbrcatz 6:49 am on September 6, 2010

    You ALWAYS have the option of putting in a broken glass claim under comprehensive.

    It’s going to matter a way lot, if the truck was insured under a commercial policy or a personal policy. There won’t be any coverage for damage to the truck caused by a shifting, unsecured load. Except for the glass.

    I don’t think it would be collision, because the load was INSIDE the truck, not outside.