| Re: [GMCnet] Stuck in Maine [message #138921] |
Sat, 13 August 2011 18:17 |
rallymaster
Messages: 662
Registered: February 2004
Location: North Plains, ORYGUN
Karma:
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Senior Member |
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Depends on your insurance company definitions. According to our Country
agent, if the rock or the deer runs into you, it's comprehensive, if you
run into it, it's collision. If it's another vehicle, it's collision.
RonC
On Sat, 13 Aug 2011 10:57:40 -0500 Rob Allen <profmail@wildblue.net>
writes:
>
>
> Stick Miller wrote on Sat, 13 August 2011 06:19
> > I thought we were OK with the comprehensive insurance, since this
> will run considerably more than my $250 deductible. Turns out that
> hitting an object in the road is collision and, naturally, old Stick
> opted for $1,000 deductible. Oh well.
>
>
> Just a tip for you, and everyone who might have a similar problem
> with collision vs. comprehensive insurance. If the item you hit is
> NOT moving it is covered under collision. If it IS moving (or you
> can honestly say it might have been) it is under comprehensive.
> They often have different deductibles, and often the comprehensive
> is zero, due to glass coverage. Flying rocks are moving and hit
> glass.. get it?
>
> I have made it a point to cary zero deductible comp insurance to
> cover the very common glass issues we have here in the west. It is
> a very inexpensive addition. I hit a "rolling rock" a couple of
> years ago with my car, and ruined the tire and expensive AL wheel.
> It was covered in total by my comp insurance. Another time a rock
> came down a hillside and took out the underside of the car. Total
> coverage there too. Hit a deer? They are moving and out of your
> (or anyone's) control, so total coverage under comp insurance if you
> have zero deductible.
>
> My insurance agent taught me this. He keeps saying " It was moving,
> wasn't it Rob?" and I always agree, it was. And honestly, in my
> situations they really were moving. But keep it all in mind when
> you make a claim.
>
>
>
> --
> Rob Allen
> former owner of '76 x-PB
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>
Ron & Linda Clark
1978 Eleganza II
North Plains, ORYGUN
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Ron & Linda Clark
North Plains, ORYGUN
78 Eleganza II
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