Question
If I hit an object in the road, can I claim this under my comprehensive coverage?
I recently damaged my car because of a foreign object sitting in the middle of the lane on the highway. Should I file a claim? I have comprehensive coverage and my rates have steadily dropped every 6 months since I took out this plan, but I am concerned my rates will go up.
Answer
Insurance companies consider hitting an object in the road to be an accident. Unfortunately, that means you will need to use your collision coverage, the incident will be considered your fault, and you'll likely see an increase in premium. I would recommend getting a few repair estimates first to decide if it's best to pay for the damage out of pocket or file a claim and pay higher rates.
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. No phone number required.
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.