Dealing with car insurance after an accident can be a stressful and confusing experience. If you’ve been involved in an accident where flying debris hit your car, you may be wondering what your options are and how your insurance will cover the damages. In this article, we’ll explore everything you need to know about flying debris hitting your car and how it affects your insurance.
What is Flying Debris?
Flying debris refers to any objects that are propelled through the air and hit your car as a result of an accident. This can include things like rocks, gravel, tree branches, or even parts of other vehicles. Flying debris can cause serious damage to your car, including dents, scratches, and broken windows.
What Should You Do if Flying Debris Hits Your Car?
If you’ve been involved in an accident where flying debris has hit your car, the first thing you should do is assess the damage. If the damage is minor, you may be able to continue driving your car without any issues. However, if the damage is more severe, you should stop your car and call for assistance.
If you need to file an insurance claim, be sure to collect as much information as possible about the accident. This can include the names and contact information of any witnesses, photos of the damage, and a police report if one was filed. You should also contact your insurance company as soon as possible to report the accident and begin the claims process.
How Does Car Insurance Cover Flying Debris Damage?
Whether or not your car insurance will cover flying debris damage depends on the specifics of your policy. Most car insurance policies will cover damage caused by flying debris if it is the result of an accident that you are not at fault for. However, if you are at fault for the accident, you may be responsible for paying for the damages yourself.
Additionally, some car insurance policies may have specific exclusions for certain types of flying debris damage. For example, if your policy excludes coverage for damage caused by falling objects, you may not be covered if a tree branch falls on your car.
What Should You Do if Your Insurance Doesn’t Cover Flying Debris Damage?
If your car insurance policy does not cover damage caused by flying debris, you may be responsible for paying for the damages yourself. Depending on the extent of the damage, this can be a costly expense. However, there are some options available to help you pay for the repairs.
You may be able to file a claim with the party responsible for the flying debris. For example, if a truck carrying gravel caused the flying debris that damaged your car, you may be able to file a claim with the trucking company’s insurance. You can also consider paying for the repairs out of pocket or using a credit card or personal loan to cover the costs.
Conclusion
Dealing with car insurance after an accident can be overwhelming, especially if flying debris has caused damage to your car. However, by understanding your insurance policy and knowing your options, you can make the process a little bit easier. If you have any questions or concerns about your car insurance coverage, be sure to contact your insurance provider for more information.
