Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Debris fell out of truck and damaged my bumper

I was driving down the freeway during rush hour traffic when an unknown object fell off of the truck in front of me. Because there were people on both sides, I was unable to move over fast enough and hit whatever it was. The driver where the object came out of didn't stop but I was able to get their license plate information. How should I handle this?

Aug 13, 2024 Bakersfield, CA

Answer
Author profile picture
Ava Lynch
Director of Insurance Content

Ava joined The Zebra in 2016 as a licensed insurance agent and writer. She now serves as director of insurance content, leading coverage strategy and…

Credentials
  • 9+ years of Experience in the Insurance Industry

I recommend you contact your insurance company and give them all the information regarding the accident. This includes photos of the damage to your vehicle, the highway name, time, the license plate of the at-fault driver, and a vehicle description. Providing as much information as possible will negate deniability by the at-fault party. Your insurance company's claims department will handle pursuing the at-fault party. For more information, check out our guide to filing claims. To learn more about what to expect from the filing process. Best of luck

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Pin
Shield checkmark No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

How do I get a false claim on my record removed?

The best course of action would be to call that insurance company and request all paperwork associated with that claim. It should show as a zero dollar payout, which you could show to other companies to dispute the claim. If you want to fight it off your record, you'd need to look up your CLUE repo…
Mar 30, 2023 Sun Valley, NV

What happens if you hit your own car in your driveway?

If both vehicles were damaged in the same driveway accident, the best next step is to contact your insurance company as soon as possible to start a claim. How this gets handled depends on your coverage and how the vehicles are insured (as well as your specific company's policies).If both cars are o…
Apr 20, 2026 Carthage, MO

Worth paying $1,800 out of pocket to avoid an increase in auto insurance premiums?

Paying out of pocket can be cheaper long-term than a rate increaseThere are a few things to consider.First, most insurance companies require you to report any incident, even if a claim is not filed.Filing a claim will impact your insurance rates. Check out our article on the claims process which wi…
Mar 2, 2026 San Diego, CA

I scraped my car in a parking garage and it's a $1600 repair. Should I pay out of pocket or file an insurance claim?

I would not file a claim. With your $500 deductible, your insurance company would pay out $1100 for the damages — but in California, your premium could also increase by 42% over three years if you're cited for an at-fault collision (which this would be considered as). You would save more money in t…
Aug 13, 2024 Los Angeles, CA