Probably need to reread my policy to be sure if the coverage declarations. I don't agree with if it is on the ground versus coming from above ground determining whether its collision or comprehensive but then why would any insurance company care what a customer thinks.
Insurance is tricky to understand.
I for one welcome our insurance overlords and the rapid re-imposition of glorious Surfdom.
So, you were in bumper to bumper traffic and I am guessing the vehicle in front of you had enough ground clearance to not make contact with the hitch laying in the road, so it was not moved or otherwise impacted by the vehicle directly in front of you. Also, you had no indication or warning from vehicles in front of you swerving or reacting to avoid hitting it that could have allowed you time to react.
But VDoT did pay me the $1400 to replace the RR shock and alignment after I hit a trench left by a road crew. Talk about gov't "efficiency". First DoT had to confirm site, then pass it on to the General Contractor to look into, who then passed it onto the sub-contractor who was the one digging the hole. Took a little less than a month. Still, why does the consumer have to deal with multiple fingers in the pie and chase the bouncing ball? How about pay me from VA Treasury and then you bureaucrats can play pin-it-on-the-sub footsie at your leisure.
That is exactly what happened. I had about 3 car lengths between me and the car I was following but had cars on both sides and the A hole behind me was on my bumper. I try to keep a safety cushion but it is not always possible. If it did fly up and hit the car behind me I did not see it ans saw no reaction from that car that would make me believe it did. I'm starting to rethink the lowered car thing.
Guess its tooo late but I'd tell now bbut if tell them it came out of pickup truk bed
