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Who is responsible? | Object on the road

by Pat
(Belmont ,NH)

My vehicle was damaged when I hit a Basketball net that fell into the road. It had been set up next to the roadway by a neighbor.

No ballast was placed in the base and it may have blown into the roadway.

I have comprehensive coverage only on the vehicle what do I do now?


Hello Pat,

This appears to be a collision claim. Please see:

Collision and compare to

If this is the case (you have to read your auto policy and what it says exactly), you will have to go against the property owner/ tenant who left the basketball there. Their homeowners or renters insurance might cover your damages.

I hope this helps

Good Luck,
Auto Insurance Claim Advice
Spokane Washington

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