Collision or Other Than Collision? Cooler on highway

[CGab]

Originally Posted by Me007gold

Nope. Hitting an Animal is covered under the comprehensive coverage even if its dead laying in the middle of the road. Hitting a stationary object on the highway is a collision, however if that object was "moving"(a missile) it will be covered under the comp coverage.

Comprehensive coverage would cover damage from impacts with animals such as a deer, but a crash from swerving to avoid animals will likely fall under collision.

[jackmccullough]

Originally Posted by adjusterjack

"Collision" means the upset of "your covered
auto" or a "non-owned auto" or their impact
with another vehicle or object.



Sorry, maybe you should have thought twice about taking such a large deductible.

This was a completely unhelpful and gratuitous post. If you had something useful to add I'm sure your comment would have been welcome.

[jackmccullough]

My question to the OP, which maybe your body man can answer, is whether you actually need the stuff that was broken. Going without might help you get past the deductible.