We ran oover a rock about the siize of a small grape fruit that fell in a 2 lane highway. I punctured the transmission.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 3, 2012

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Insurance Question from Wake Forest, NC

Asked on 09/03/2012

We ran oover a rock about the siize of a small grape fruit that fell in a 2 lane highway. I punctured the transmission. We were in a mountainous area and it was a 2 lane road. We turned in an insurance claim. Should this be a collision or comprehensive claim?

Answer given on September 05, 2012

In auto insurance, if you strike anything an object, the coverage would be under the collision portion of the policy. The insurance policy is very clear about this. The only exception is if you strike an animal, such as a deer, and that damage is covered under comprehensive coverage.While the collision deductible applies, you may not be charged for an at fault accident and so your rates may not be affected. Talk to the adjuster and see how they are going to treat the claim, since it was a rock that caused the damage. It is possible they will consider it as an at fault accident, but since it was an obstacle in the road that you could not have seen, so it may be considered not at fault. If the adjuster will not make this a non chargeable accident try to speak to a supervisor and see if they will not make it chargeable.

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