Should we inform this repairs to my automobile as automobile collision or comprehensive?

I came outward this sunrise to find a side counterpart destitute upon my automobile outward of my apartment. we do not know what happened though we didn’t strike anything. How do we inform this?


6 Responses to “Should we inform this repairs to my automobile as automobile collision or comprehensive?”

  1. la428282 says:

    You dont need to decide which coverage it falls under- thats the insurance companies job. Just call and say exactly what you just did and they will open the correct coverage.

  2. umdenstock says:

    side mirror would prabably be less than your deductable – call your dealer and ask for cost first

  3. Rica 82 says:

    Get an estimate done first. You don’t want to report something like this to your insurance company, if you don’t have to. It goes on your permanent record. If its just your mirror, it shouldn’t be much. If its less than your deductible, then don’t even bother telling them.

  4. CowboyBill says:

    You report it as cause of loss unknown. The appraiser will determine if it will be a comp or collision loss.

  5. Chris says:

    Just report it, your company will decide if it was damaged in a collision or by a comprehensive peril. The appraiser will probably be able to tell. You don’t get to choose. They will choose.

  6. JEANNE C says:

    Get an estimate, if it is lower than your deductible, then don’t file a claim. Different states have different insurance rules and regulations. Strangely, I just spoke to my NJ insurance company. With this NJ insurance company, if your claim is less than 1000.00 it shouldn’t effect your insurance. (some companies have a 500.00 maximum claim), no matter what it is considered, collision or comprehensive. I would check with your insurance company and find out how they will evaluate what happened. They will tell you whether it is a comprehensive claim or collision claim. They will also tell you if you rates will go up if you put in a claim, or what their maximum pay out is before your rates will be affected.

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