I can't win, more damage to car
Originally Posted by smittyinva
Wrong. Federal insurance laws dictate that your rates cannot be changed if you were not at fault in the accident. Neither of those were your fault. You should immediatedly contact your state's Department of Transporation and tell them you would like to file a road debris claim. Then call your insurance company and notify them of the accident. It is the state's responsibility to keep the roads clear of debris. Let your insurance company know that you filed a complaint. They will then subrogate (go after) the state for the loss.
There is no reason to pay out of pocket.
There is no reason to pay out of pocket.
as for the tire hitting your front end, you will take the hit as it is defined under "comprehensive" coverage. you can cry that its the state that has to clean up blah blah but your insurance will take it out on you anywayz (as you will decide you could have avoided it).
Originally Posted by mifesto
your wrong there my friend.... they cant raise your insurance as a direct reason for it but if they see multiple claims that were not your fault, then may still raise your insurance because you are "unlucky".