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I'll need to dig out my policy and see if my question is specifically answered, but I wanted to throw this out there and see if anyone had any insight.
I was in an accident yesterday. As I was driving home someone coming the other way lost their tire. As the tire rolled away the car skidded to the side of the road, and as it went a large chunk of metal from the wheel well tore loose, flew out, and shattered my headlight. The other driver wouldn't give me his insurance information ("they know me down there" is never a good thing to hear) though I did get his license plate and enough information to identify him.
When I called my insurance company today to file a claim, I was told that since I didn't have collision insurance, they wouldn't pay my claim, though they would help me file a claim with the other driver's insurance.
Which brings me to my question, what exactly is the definition of "collision" in the context of auto insurance? Does an object coming loose from one vehicle and striking another fall under that? I'll check to see if it's spelled out anywhere in my policy, but my gut instinct is that I'm just getting jerked around. Which may or may not have anything at all to do with whether there's anything I can do about it with my insurance company.