Maybe things are different in your state? Only your adjuster that is assigned to your claim will make the final determination of which section of coverage applies.
I can tell you I have been in the insurance industry for 13 years and in my State this is considered collision.
The only time...
Gross, I know! Anyways, I have a DIB '16 ecoboost. I hocked a giant loogie and spit out of my window while cruising. Apparently I didn't put enough force behind it and it landed on the side of my car. Well, I haven't had time to wash my car in a week or so and the sun baked it on. Just got a...