Shopping Cart Collision | Coverage?

by Car person
(Philadelphia)

If the wind blows a shopping cart into my car, is it considered a Collision or Comprehensive claim.

Answer:

Read your coverages carefully. It will really depend on how the coverage is specifically defined. See more on how to read an auto policy here:

http://www.auto-insurance-claim-advice.com/read-your-auto-insurance-policy.html

Note, most collisions are with "objects" and not animals so you could argue that, however, comprehensive coverage usually covers "projectiles" and "free falling objects" - therefore this could be a projective pushed by the wind.

Read both definitions carefully, and if you cannot have one straight answer or you think there is a clear ambiguity (it must be clear), then the insurance company must be "on your side" and either provide coverage, or provide coverage at the lower deductible.

Good Luck

Good Luck,
Auto Insurance Claim Advice
Spokane Washington