PSA: Be careful driving in the canyons

[sniper7]

If he can convince the adjuster that the rock was moving at the time of impact, he may be able to get it covered under comprehensive instead of collision.

For my own learning, what would be the point/difference in that?

[USMC88-93]

For my own learning, what would be the point/difference in that?

Presumably relates to how the claim effects his future rates.

[Chad4000]

thank god he wasn't on a motorcycle.. Ive riding that highway... yikes...

[hawk1]

Holy crap... Assuming he didn't make it to Blackhawk, did he at east go buy a lottery ticket?!?

[Ridge]

For my own learning, what would be the point/difference in that?

Active object moving around versus a static obstruction in the road, the latter of which would be the driver's responsibility to avoid, and can affect his coverage and his rates.

[rondog]

Back when I had a good job, it required me to drive I-70 and US40 though the mountains frequently, day and night, in all kinds of weather. Although I tried not to worry about friggin' rocks, the thought was always there. I'd hear about accidents, and see rocks along the shoulders, so I always had a pucker going on. I had close calls with trucks and other drivers, but never any rocks, but the possibility of injury or death just suddenly coming out of the sky was sobering.

[rockhound]

Lots of loose rocks these days, that was a close one

[Irving]

For my own learning, what would be the point/difference in that?

Presumably relates to how the claim effects his future rates.

Active object moving around versus a static obstruction in the road, the latter of which would be the driver's responsibility to avoid, and can affect his coverage and his rates.

Yep, collision is an at fault loss while comprehensive is not-at-fault. They can adjust your rates for at fault, but not a comp.

[Trout Hunter]

Coming back from Skagway last night up by victor we came on a similar situation rock the size of two basketball s was on a curve and a civic took it to the passenger side front end, the tire was ripped off the front end. Pays to slow down.

[sniper7]

Thanks for the info guys