Quote:
Originally Posted by DarkTrigger
They gotta blend the other panels, so yes it does get fixed. This was covered under collision with a moving object I was told. Repair will be $3k.
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Well, if that's what they say, OK, but if I had nothing to do with the object colliding with my car, I would not let them cover it under collision. That's the part of your policy that basically deems you at fault and will cause your rate to go up and your insurance score to go down.
If object flew off of some shabby vehicle, it's uninsured motorist.
If the object was hurled by a tornado or other act of God/nature, it's comprehensive.
You can't be held culpable for either of those two, although uninsured coverage will often also include a free-to-you comparable rental car while the body shop has your car for the repair. (If you pick up the rental car from the BMW store you normally use, you'll get a 3er.)
Whatever you do, fight like hell to get it covered under something other than collision.