Will My insurance company fix my Mustang?

I live in New Zealand, Tonight I was practically left in tears after driving on the highway in my freshly painted (6 weeks ago) 1966 ford mustang.

It was dark and there was very poor visibility and I drove though gravel scattered on the road that had either been dropped off a truck, or from unfinished roadworks. Either way, My $50,000NZD / 42000USD paint job has been ruined.

I have Full Comprehensive Insurance, on a website I looked at I red this blurb on it.

Comprehensive insurance covers damage to a vehicle that was not involved in a collision. If you carry comprehensive car insurance and the paint chips on your car were caused by vandalism, theft, animals or a natural disaster, then your insurance will repair the paint damage. You will be responsible for paying the deductible on your policy. Tiny paint chips caused by insects, rust or mild weather conditions are not covered by car insurance. These types of paint chips are normal under most driving conditions and are considered common wear and tear.

My car is insured for $85,000NZD / 72000 USD

So, am I covered. Or am I going to be wiping my tears away for months.

And yes, I understand that cars will get small stone chips over time (Thats normal wear and tear, which is something I can live with. But I don, t call my car getting showered in loose gravel normal wear and tear.

As I said last time you asked…

"It was dark and there was very poor visibility and I drove though I pile of stones that had either been dropped off a truck, "

So you were driving too fast for the conditions, didn't have your lights on or you were not paying attention as someone else would have done the same thing before you if it was that bad.

All you can do is ask your insurers and hope they will pay for the damage.