chViETnk

carnage? i called my insurance(AAA), they are saying its my fault that i did not move out of the way... and possibility that my premium will go up if i go through with the claim.

i have no idea, all i saw was that it was white and it will still moving around so who knows

thats nothing compared to this!

visual damage yes, i probably have damaged control arms, etc. alignment is off

i couldnt clearly see what it was, although it must have been something really hard to cause such damage. maybe a baby elephant?

Fujin

This happened to a friend of mine a year ago in his M3. He hit a semi truck differential as it was flying off the back end of a pick up. 4 other cars all hit it and all were totaled. I'd call your insurance and explain the part was flying through the air at your car. Its actually illegal to have shit fly out of your vehicle on the freeway so if you can tag the truck or car the dropped it it should be their fault. He was able to get out of his insurance point this way.

FromaDB2toanAP1

I think it's considered a collision claim if you hit something on the road. It's because the possibility of it being avoided. If it flew out of a truck or whatever and hit your car, it would be considered a comprehensive claim. If so, your insurance rates should not go up because of a comprehensive claim. I once hit a big rig tire on the freeway and it broke my bumper and dented my hood. My agent told me if the tire flew at me, my rates shouldn't go up because it would be a comprehensive claim. Anyways, good luck.

chViETnk

i told them that something fell out of another vehicle, it was bouncing moving around on the freeway, than another car hit it over to my lane, and it was too late for me to avoid. i argued that the object was still in motion but the adjuster i spoke to said that because the other car hit the object over to my lane(meaning that once it hit the floor on my lane, it was considered stationary) and told me that if the other car hit the object INTO my car, it would be considered comprehensive. she also stated that she would reconsider the situation(collision or comprehensive) after they send out a field inspector to take pictures of the damage.

TougeHorseman

Just do a lot of research and fight this one till the end. Remember that the entire game of the insurance companies is to avoid having to do the exact thing that you PAY them to do (cover you). They will try to use policies and ridiculous antics to get out of every dollar they can. Just stay strong, do research, and keep us posted here.

chViETnk

ive been doing a lot of reading on similar situations that have happened. anyone in the bay area have a similar situation happen to them and possibility have AAA as well? or know someone within AAA i can speak with? how can i go about this? speak to their manager? can i get another adjuster for a second opinion? how can i even fight this kind of situation?

ninjajwl

I do know someone (who has State Farm) who hit a large chunk of metal debris on the freeway. His insurance said they'd cover everything without any questions asked.

However, if your insurance is giving you a hard time, you should stay adamant about this. As stated earlier, fight it to the end because they will fight to the end to try and NOT pay for the damages. It wouldn't hurt to speak to the upper management, but another adjuster probably would not change their stance on the situation.

aww_shiet

keep at it. if they still refuse to help, there's a government agency that regulates on insurance companies. you can set up a claim with them and they can investigate as well.

when someone did a hit-n-run on my car while it was parked in the city, my insurance refused to pay for suspension damage which was clearly accident related; they said that the damage was regular wear and tear. i contacted them and provided sufficient details, pics, etc. they helped me get some of the money my insurance neglected to pay

ics2ks

sorry to hear this, kevin. hope you get it resolved without having to pay an arm/leg.

stacey

Damn, WTF did that, a brick?