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 looked into comprehensive and see that it covers some of these claims. What should I do?

Sorry to hear about this! The good news is that since the debris flew off another vehicle and hit your car rather than you driving over something in the road, this should fall under your comprehensive coverage rather than collision. That distinction matters because comprehensive claims typically have a smaller impact on your rates than an at-fault collision claim would.

However, just like collision coverage, it will usually have a deductible. Check your declarations page or reach out to your agent to confirm your deductible amount. Since you mentioned you don't have the money for the deductible right now, I suggest getting a repair estimate first before making any decisions. Our claims calculator might be helpful for you to try out, as well.

If the damage is relatively minor and the cost is close to or less than your deductible, paying out of pocket is usually the smarter move. Filing a claim for an amount that barely clears your deductible isn't worth the potential rate increase.

If the damage is significant and well above your deductible, filing a comprehensive claim is a reasonable option. Remember that you can always reach out to your GEICO agent if you've got questions about your policy or what happens when you file a claim. I hope this helps!