How doesno fault comprehensive versus collision coverage work?
Get Legal Help Today
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
How doesno fault comprehensive versus collision coverage work?
A gravel truck dropped enough gravel along a busy road to cause damage to approximately 15 cars. A police report was filed. I live in a state with no-fault insurance. My agent tells me that this falls under the no-fault comprehensive part of my insurance versus collision because he didn’t actually hit my car with his truck and therefore I am responsible to pay my $1000 deductible; the gravel truck just gets away free and clear. Is this true?
Asked on February 15, 2012 under Accident Law, Michigan
Answers:
Zachary Ballin / Ballin & Associates, LLC
Answered 12 years ago | Contributor
This is not necessarily true. You are certainly entitled to no-fault benefits, but you may also be entitled to collision coverage under the trucks policy, which is most likely substantial. The answer will depend on the auto policy covering the truck and judicial opinions interpreting the policy's language. There may also be legislation in your state dictating what must be covered. You should contact an attorney immediately. Your agent is not an attorney and is doing you no favors. Your instinct is correct though, if he did something wrong with his truck that caused harm, it should not matter that it was caused directly with the truck itself.
IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.