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Old 10-07-2013, 09:05 AM
farg farg is offline
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Location: Oregon
 
Join Date: Jan 2013
Posts: 90
Mein Auto: 2014 X3 3.5i
I hit a truck tire recap in my M3 some years ago. The insurance adjuster asked me if the tread was moving when I hit it on the highway, or stationary. It was moving, and as a result, the damage was covered under comprehensive (no deductible). If it would have been stationary, it would hav been covered under collision (deductible).
Obviously this rule does not cover moving/statioary vehicles, and I'm not sure if it covers rocks, but it could not hurt to check.

Anybody an insurance pro out there?
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