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

Will comprehensive insurance cover damages caused by road debris?

I have full coverage through Geico. I was driving when something flew out of a random vehicle in front of me. I don’t have the money for the deductible, but I’ve read into comprehensive and see that it covers some of these claims. What should I do?

Aug 8, 2025 St. Marys, GA

Answer
Author profile picture

Ross Martin

Insurance Writer

Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.

Ross h…

Credentials
  • 5+ years in the Insurance Industry

Sorry to hear about your accident. If you have comprehensive coverage, it should cover any damages caused by debris. However, just like collision coverage, it will usually have a deductible. I would suggest using our claims calculator to see if it's worth filing a claim or simply paying for the damage out of pocket. If you're still unsure, check with your agent to see what deductibles will apply. 

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...

Will my insurance company reimburse me for a window I paid to replace?

I'm sorry to hear about the damage (and the sweater!). The good news is that since you are in California, glass claims should not impact your premium. In most locations, it's up to the discretion of the insurer to raise rates based on glass claims but in California, specifically, not-at-fault claim…
Aug 8, 2025 Santa Monica, CA

What should I do with my insurance if my car is repossessed?

Since you no longer have possession of the vehicle then technically you could cancel your policy. It's important to keep in mind, though, that if you have been continuously insured for 6 months or more you will lose a discount if your policy cancels. If you were not planning on getting another vehi…
Jul 28, 2021 Nashville, GA

Are my seats covered from damage caused by a rat?

When there is an animal-involved incident, your comprehensive coverage would pay for the damages to your car. The insurance company will have to pay to repair the damage that was done to the car. This doesn't mean that they have to pay for the removal of the rodent. That is something that the insur…
Aug 8, 2025 Cortlandt Manor, NY

Will GEICO increase my rates if I file a windshield claim?

Filing a windshield claim with GEICO usually won’t cause your car insurance rates to go up. These repairs fall under comprehensive coverage and are often treated as “no-fault,” meaning they don’t count against you like an at-fault accident might. Small chip repairs are sometimes even free with no d…
Sep 10, 2025 Charlotte, NC