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.
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