How doesno fault comprehensive versus collision coverage work?

How doesno fault comprehensive versus collision coverage work?

A gravel truck dropped enough gravel along a busy road to cause damage to approximately 15 cars. A police report was filed. I live in a state with no-fault insurance. My agent tells me that this falls under the no-fault comprehensive part of my insurance versus collision because he didn’t actually hit my car with his truck and therefore I am responsible to pay my $1000 deductible; the gravel truck just gets away free and clear. Is this true?

Asked on February 15, 2012 under Accident Law, Michigan

Answers:

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