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Comp or collision claim?

If I am towing something and the chain breaks and does damage to my tailgate of my pickup is that considered a comp claim or collision claim?\\


This is an interesting question! The answer depends on the specific language of the policy.

Some policies will cover this as a collision because the vehicle collided with an object (the chain).

However, if the vehicle collides with a "projectile" it could be consider a comprehensive claim. You can argue that the chain was a projectile.

Again, this is really up to interpretation of your policy. Remember that if there is ambiguity or you believe there is coverage under both sections, then you can remind the insurance company and advocate for you (do what is in your best interest) thereby giving you the lower deductible.

For more on how to read and interpret policy language, please see:

Good Luck,

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