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Auto Insurance Claims/Question about driver at fault

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Expert: Bennie719 - 12/26/2007


Question
I was driving on a interstate  and I saw on the road a debris from other car (probably piece of rear bumper)and i was unable to avoid it. Turns out it hits my suspension and my insurance company paid for the repairs . Now i look in to my driving history and i was listed as Driver at fault. Is this correct ?

Answer
Hi Sri,
Unfortunately, yes.  If the item had been bouncing and moving on the roadway and hit your grill, fender or windshield, it would have been considered a non-fault comprehensive loss.
Anytime that you hit an item laying on the roadway, it's considered a 'fault' collision loss.
Hope this has been of help.
Your feedback by rating my answer 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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