Your insurance company will ultimately decide if the damage caused by your vehicle running over the railroad tie on the highway will be covered by the collision or comprehensive part of your physical damage insurance coverage.

Once you place a claim with your insurance provider the claims adjuster will investigate the incident and damage sustained to determine what they believe this type of accident would fall under. From the description you gave it probably will go under the comprehensive portion of policy but the adjuster should let you know if this is how they see it or as a collision claim.

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