Comprehensive

Sorry to hear about your accident. Every company is going to have its own rules and regulations, so this is going to be up to them ultimately.

Some companies will allow you to have different deductible amounts for collision and comprehensive — and some people prefer to have a smaller deductible for comprehensive than collision. If you have any questions, feel free to ask.

If it is considered comprehensive, there would be no fault on the claim so you can take that out of the equation. Comprehensive claims are best summed up as your responsibility but not your fault.

Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris.

Insurance will only cover things that are a result of a loss. So if the leak in the sunroof was caused by a covered peril — like damage from bad weather — this would count towards a comprehensive claim.

You would not be at fault in this case. In cases like this, it's best to get all the documentation you can, like a police report.

Sorry to hear about the loss. Yes, comprehensive coverage should cover any kind of flooding that occurs to the vehicle.

While I can't speak specifically for State Farm, most companies will cover damage caused by a rodent under comprehensive coverage. For specifics about your State Farm policy, you will want to contact them directly.

If you hit a raccoon, that would be considered a comprehensive claim. Your deductible would apply.

Since you caused damage to property, you will need to report the damages to your insurance company as soon as possible. This claim would be paid out through the property damage liability coverage.