Quote:
Originally Posted by tony20009
Well, I can assure you it's different in DC. Also different in MD. Uninsured would cover damage to your vehicle caused by another person's vehicle. Comprehensive covers stuff caused by nature. If the OP was driving in a tornado and the tornado flung the thing into his car, it'd be comprehensive. If the thing came flying off another vehicle, it'd be uninsured motorist. Without a police report, though, the insurance company may force the latter to fall under comprehensive. In neither case would it be collision, which in DC and MD covers damage to your car cause by you.
Sometimes, what they will do is initially class it as collision until their adjusters review the case and determine that you didn't cause it yourself, but then shift it to uninsured. That generally only takes a day or less though.
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My personal experience has been different, and a conversation with a friend who sells insurance confirms this should be a comprehensive claim. See links below.
http://www.allstate.com/auto-insuran...-coverage.aspx
http://www.allstate.com/auto-insuran...insurance.aspx