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My vehicle was parked in a small parking lot for an hour and a half and as I came out of the store, I notice a hand-size dent on my rear bumper with a little bit of white paint on it. I am pretty sure someone hit-and-ran. Does that count as a comprehensive?

If it appears that a vehicle has hit your vehicle and then left without leaving their information, a hit and run as you mentioned, then your insurance company would likely place this claim under your collision coverage and not your comprehensive.

Collision covers you when damage has occurred to your car when your car hits, or is hit by, another vehicle, or other object. It sounds as if another vehicle has hit your car so it would fall under this portion of your physical damages coverages.

Comprehensive normally covers your vehicle, and sometimes other vehicles you may be driving for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals.

To find out for certain which coverage your claim should be made under speak with your agent and your insurance provider might send out a claims adjuster to view the damages or they may be able to determine which coverage to place this under by you describing it over the phone.

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This car insurance question was asked on 10/25/2007
This auto insurance answer was last updated on 10/30/2007
Sam requested this car insurance solution.
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