if a hood come loose and hits the winshield.

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PostPosted: Mon Oct 27, 2008 9:18 am   Post subject:   

Quote:
Bottom line... and the policy is very clear on this... it's a collision if the vehicle collides with the object and the 7 (or so) named perils under comprehensive coverage (flying object and animal in this case) do not apply.
I'm in total agreement here...and hitting an animal any animal whether they hit you or you hit their dead body is comp...to further complicate the question...if a hood come loose and hits the winshield.....comp Wink


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PostPosted: Mon Oct 27, 2008 2:16 pm   Post subject:   

I am in total agreement with the animal. ALWAYS comprehensive.



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PostPosted: Mon Oct 27, 2008 2:23 pm   Post subject:   

The way we handle anything 'other' than an animal, (as it related to comp or coll)...if it hits the car prior to hitting the ground it's a comp loss falling object or misile...is it hits the ground then the car hits it...it is collision...



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PostPosted: Mon Oct 27, 2008 3:41 pm   Post subject:   

However...bouncing down the freeway and striking your vehicle (object in the air when impact occurs)...



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PostPosted: Mon Oct 27, 2008 4:00 pm   Post subject:   

Yes, but that is different then the "1st hit" rule mentioned.

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PostPosted: Mon Oct 27, 2008 4:12 pm   Post subject:   

That is what was explained to me; laying on the ground would be collision and flying through the air would be comprehensive.



However, they did say that if it flew off a truck, hit the ground and then bounced and hit your car (while airborne), it could be collission. Hence the "1st" hit.



This was explained during a "why-you-should-refer-all-claims-questions-to-claims-because-there-cou ld-be-situations-where-the-obvious-isn't-so-obvious" discussions.



We do answer obvious questions of course though.



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PostPosted: Mon Oct 27, 2008 7:48 pm   Post subject:   

Quote:
Yes, but that is different then the "1st hit" rule mentioned.
exactly and there is some decretion that claims has as well, when it's a bit gray... Wink


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PostPosted: Mon Oct 27, 2008 8:01 pm   Post subject:   

Absolutely the gray area. This is why we're told to let claims take care of it.



The "1st hit" statement is the exact reason. It can go either way.



My last three experiences have shown me for it to go one certain way - now, if it happens tomorrow to another customer will it be number 4? I have no idea. It probably will but...I'm not going to tell my policy holder that.



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PostPosted: Mon Oct 27, 2008 8:53 pm   Post subject:   

Geez...sounds a little confusing I hope I don't hit one...

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PostPosted: Mon Oct 27, 2008 10:31 pm   Post subject:   

Play it safe.



Don't hit anything.



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PostPosted: Tue Oct 28, 2008 11:21 pm   Post subject:   

From your mouth to Gods ears...You ought to see my husbands track record...gets at least one per year...USUALLY in MY truck.

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PostPosted: Tue Nov 04, 2008 12:26 am   Post subject:   

I was driving down a country lane with my husband and a deer jumped in front of my car and I swerved to miss it. I went off the road, momentarily dazed I realized I was heading for a pine tree, so I cut the wheel back quickly and lost control and was headed for another green pine. I lost control and rolled into a ravine and severely damaged my car; but we're allright. We have a new car now, and my husband Dagwood won' t let me put anymore pine tree air freshners on my rear view mirror anymore.


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PostPosted: Tue Nov 04, 2008 1:28 am   Post subject:   

oh blondie that was a good one...and unfortunately would be considered a collision and not comp loss...



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PostPosted: Tue Nov 04, 2008 12:35 pm   Post subject:   

Lori...is it true that people should just hit the deer? I heard this and thought it to be cruel but when it plays out like the above scenario I wouldn't think a deer would be worth a $500 deductible. I would probaly swerve regardless. Always do.



Blondie, I have to agree with the hubby...no more pine tree air freshners. Thanks for sharing your story.

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PostPosted: Tue Nov 04, 2008 12:52 pm   Post subject:   

Quote:
Lori...is it true that people should just hit the deer? I heard this and thought it to be cruel but when it plays out like the above scenario I wouldn't think a deer would be worth a $500 deductible.
Yes, in most cases it is for many reasons, first, it's comp not collision, thus in most cases a non-chargeable accident, so no increase in premium...but more importantly, you have a lot higher risk of injury if you swerve, you could lose track of your surroundings doing so, hit another vehicle head on, hit a tree and on and on..most injuries that I've seen relating to 'deer' at all have not been from hitting the deer, rather from trying to avoid it and hitting something or someone else...although deer cause a lot of damage, these accidents rarely involve injuries, deer 'give' meaning they are ply-able, the hit and roll or bounce off, unlike another vehicle or a tree, or guard rail that don't have much 'give' to them...same of course applys to any animal...





Quote:
I would probaly swerve regardless. Always do.
I think we all do initially anyway, it's a natural reflex..


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