Quote:
Originally Posted by Flying Ace
If you have comprehensive, they SHOULD cover it no questions asked, but it'll still be your fault (unless you can track down the driver who left it there).
That's what comprehensive insurance is...if they can't find the liable 2nd party, then you'll still be covered, even if you're not at fault.
They have to assign fault to someone, and if the 2nd party can't be located, then it's you. Don't get mad about it, it's just how it works and what you pay for in premiums.
If you're asking about in the future whether you should hit road debris vs an alternative:
My view is, you'd rather run into the tire and pay for the damange than run yourself off the road or swerve and hit someone else.
The logic is, your liability amounts (and downside risk) would be much lower than if you hit someone else or if you ditch your car or flip it in a dangerous maneuver.
that's why they always said, if you're about to hit a deer and it's unavoidable, just hit it. It's much worst to swerve head on into the other lane where you can hurt another motorist, or if you do a crazy maneuver and flip your car and kill yourself. Then you'll be 100% liable and can get sued for damages you've caused.
make sense?
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A little false info. If a tire falls off a truck, HITS THE GROUND FIRST, and you strike it, then this is considered collision as you hit a fixed object. Animals are mostly comp claims, but if the tire were to be in the back of a pick up bed and fly out and hit your car before hitting the ground this would be considered a comp claim. It's a little confusing.