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Auto Insurance Claims/Comprensive Claims

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Expert: Bennie719 - 5/5/2009


Question
Do you know if state farm comprehensive claims, CA cover if I side swiped a pole, or is this Collision?
Also, is this a comprehensive claim if a rolling trash can hits my car, or is that collision?

Thanks for all the help!

Answer
Hi Laura,
Under any policy in California, if you sideswipe a pole, it is always considered a collision.

If you were driving on a roadway and a trash can fell off a truck in front and rolled into your vehicle, it would be considered comprehensive
(a falling object).  For any other type conditions involving a rolling trash can, your insurance will have to review the exact circumstances in order to make a decision if the loss is comprehensive or collision.

I hope this information is found to be helpful.  Your feedback by rating my response will be appreciated.

Sincerely,
Bennie
San Francisco Bay Area

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Bennie719

Expertise

I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.

Experience

Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license. I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.

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