Is damage from a car wash covered under comprehensive or collision?
My mirror on my Ford F-150 was broken off in a car wash today and the owner of the wash is not responding. I need to file a claim because my deductible is 250 and the mirror costs 750. I wanted to know if it would be under comprehensive or collision claims.
It doesn't matter. If your deductible is 250 and the mirror costs only 750, then the insurance company will be paying only 500. However, if you file a claim, then the insurance company will raise the price of your insurance, probably by at least $200 a year, probablyy for at least 3 years. In other words, you'll be paying at least $600 more to have insurance, in addition to paying the $250 deductible, so this damage will cost you a total of $850 or more if you use your insurance. If you just pay for the mirror yourself, and don't file a claim, then it will cost only $750, so you will save money.
Automatic car washes usually have disclaimers regarding such damage. As long as the machine is operating correctly, the vehicle owner carries the risk.
But you'll only find out whether your own insurer will cover the damage by asking them. All policies are different and some comprehensive policies will cover such damage whilst others will specifically exclude it as it's a completely avoidable risk compared to hand washing.
It certainly doesn't count as a collision, unless you falsely claim that's how it occurred.
That should be a comprehensive claim.
This would be a comprehensive claim.
If, you reported the mirror falling off at the time you had the wash done to the owner, then most likely your insurance will try and get back the money from them. Which means, you would get back your deductible.
Comprehensive should cover the damage. Don't listen to people who say don't use your insurance because they will raise your rates. That is the dumbest thing I have ever heard. Answerer Stephan here is all wet and doesn't know what he is talking about First. Comprehensive claims are NOT sur-chargable. Even if they were, the surcharge would be much, much less than $500. (perhaps $50.00-$60.00 spread over 2? Years)
I have no idea why so many people are so ignorant about insurance and simple math and so afraid and so uninformed of (possible) insurance rate increases.
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