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      08-22-2011, 03:12 PM   #16
PoorMan
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Drives: 2009 E92 M3 6MT
Join Date: Oct 2007
Location: West Los Angeles

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Quote:
Originally Posted by disapr View Post
Wrong - Comprehensive would only cover this if you can prove that it was caused by hitting an animal. If you just hit a random object in the road or a curb they will classify it as collision and it could cause your rate to increase.
Only by an animal?

Nope. Subject to what state and insurance company.

Comprehensive Auto Insurance includes almost everything that might go wrong with your vehicle except collision. This is the reason why Comprehensive plans are sometimes called "Other than Collision" insurance coverage. Comprehensive Insurance covers all types of damage and loss including:

— Fire
— Theft
— Vandalism or malicious damage
— Riot
— Flood
— Earthquake or Explosion
— Hail
— Windstorm
— Falling or Flying Objects
— Damage Due to Contact with a Bird or Animal
— Windshield Damage

My wife is a insurance agent.

Last edited by PoorMan; 08-22-2011 at 03:17 PM..
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