SeeingSpots
NAXJA Forum User
- Location
- Bend, OR
SeeingSpots, according to my insurance lady, Collision only covers what I hit. If I hit a deer, then I'm covered, but if I were to slide off the road and hit a tree, then I would not have coverage. I'm not sure what my liability is. I'll call and find out though. Thanks!
I don't want to talk dirt on your agent, but that is 100% incorrect. Collision is any physical damage caused by colliding with another tangible object while either in-motion or stationary. Whether that's a deer, car, or a parking cone, that all is classified as collision. If someone hits YOU while you're stationary and they're moving - it's still considered Collision.
Comprehensive is everything other than collision - IE vandalism, theft, hail, etc...
Like I said.....lots of bad advice out there.
Last edited: