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Old 02-22-2011, 07:50 PM   #1
champLSinteg
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Default Hit a large piece of iron on road. Insurance question

On my way home from work today I was driving behind a truck at a reasonable distance in the middle lane of a 3 lane highway/bridge. Out of nowhere I see the truck in front of me jerk from side to side and next thing I see is this chunk of metal rolling from underneath it and I’m headed straight for it and BAM! I felt like this thing just took out my whole front end. There is no way I would have swerved out of the way being in the middle lane with cars around me. I roll it to the nearest call-box about 100ft away to call for help. I looked under the car and I see this monster pinned under the oil pan!
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It took out the lip on the bumper, part of the grill, bent up the lower radiator support, ripped a huge hole in the oil pan and it broke some sensors on the electric power steering. Now the issue is with my insurance company. I called my insurance agent and told him what happened and he said that it would be covered in my policy under comprehensive and it would be a “not at fault” case so I went ahead and called my insurance to submit a claim. I told them the same story but I am being told that this is considered a collision and it would be “at fault” along with my $1000 deductible!!! She said although this thing was rolling on the road it was not a “projectile” coming towards me so that would make it driver error. Come on! I am going ~65mph in the middle lane with 2 seconds to do some kind of maneuver to avoid it. I am not going to cut someone else off and cause an accident that would most likely cause injury. I want to fight this but I need some advice. Is this a lost cause? What should I do?
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Old 02-22-2011, 07:53 PM   #2
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Default Re: Hit a large piece of iron on road. Insurance question

you obviously were driving too close to the truck in front of you
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Old 02-22-2011, 08:00 PM   #3
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Default Re: Hit a large piece of iron on road. Insurance question

call your state, I know of numerous cases when people have had damage to their car from the road and had the state pay for it. Potholes, tire tread, even cracked windshields from rocks

no idea what cali's policy is though
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Old 02-22-2011, 08:06 PM   #4
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Default Re: Hit a large piece of iron on road. Insurance question

This actually happened to me recently on a road that wasn't well lit. I hit what looked to be a hydraulic arm of some sort off of a tractor or something. I had the police come out and write up a report. I ended up not submitting it to my insurance company because of the deductible. The accident destroyed one of my BBS RCs on my GTI and bent up my sub frame a little. I just used the opportunity to justify a new set of wheels and I had the technicians where I work install a used subframe I picked up online.

Like my situation, I'm sure the driver of the truck didn't stop or let alone notice he had dropped a surprise off in the road for you. It sounds like your car took a bigger hit than mine did, but increased insurance rates from an accident are hard to justify regardless. If your user name denotes the kind of car you drive (LS Integra), you should be able to source some replacement parts quickly and cheaply.

I'm just glad I had not lowered my car yet, or I would probably be in the same boat you are in. Good luck man!
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Old 02-22-2011, 08:06 PM   #5
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Default Re: Hit a large piece of iron on road. Insurance question

If your car is modified you cant have the state pay for it because they see your car first and if they see it is modified in anyway they will deem it unsafe and say it was because your car was too low and had modified suspension and thats why it had pothole damage.
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Old 02-22-2011, 08:07 PM   #6
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Default Re: Hit a large piece of iron on road. Insurance question

Thats a pretty beefy U-joint. There is no way that should not be considered a projectile. Call your agent, have them call the reps, call and speak to a manager, their manager, don't stop going up the ladder till you get results. Maybe consult a lawyer?
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Old 02-22-2011, 08:08 PM   #7
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Default Re: Hit a large piece of iron on road. Insurance question

This happened to my lexus is250. So I might be able to do something through the state?
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Old 02-22-2011, 08:11 PM   #8
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Default Re: Hit a large piece of iron on road. Insurance question

Damn, that guy must have been pushin some serious NOS up in that bish for the yoke to just break clean off like that. He probably twisted his frame rails at the same time.
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Old 02-22-2011, 08:11 PM   #9
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Default Re: Hit a large piece of iron on road. Insurance question

Quote:
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Thats a pretty beefy U-joint. There is no way that should not be considered a projectile. Call your agent, have them call the reps, call and speak to a manager, their manager, don't stop going up the ladder till you get results. Maybe consult a lawyer?
Exactly! Good thing I kept it for evidence. I will have my agent help me fight it. He said if its done under comprehensive there would be a waiver of the deductible for these type of cases so Im assuming my insurance is trying to get out of that.
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Old 02-22-2011, 08:11 PM   #10
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Default Re: Hit a large piece of iron on road. Insurance question

Diet Dr Pepper is the only canned beverage you had?

Srsly, though, in a situation like this, you will be responsible for the deductible. Why? B/c your insurance can't go after anyone else to get the money. If this were a hit & run case, then there is a state fund for that.

I'm surprised it didn't crack your engine block.
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Old 02-22-2011, 08:12 PM   #11
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Default Re: Hit a large piece of iron on road. Insurance question

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If your car is modified you cant have the state pay for it because they see your car first and if they see it is modified in anyway they will deem it unsafe and say it was because your car was too low and had modified suspension and thats why it had pothole damage.
this is not true. my friends car is slammed, maybe a little under 2" from road to lip gap. caltrans was fixing a road and there was a bump and no sign indicating so. my cousin drove over it and it ****ed his lip up and cracked it. state bought him a new one.
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Old 02-22-2011, 08:13 PM   #12
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Default Re: Hit a large piece of iron on road. Insurance question

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Damn, that guy must have been pushin some serious NOS up in that bish for the yoke to just break clean off like that. He probably twisted his frame rails at the same time.
LOL. Im not really sure if it came off the truck in front of me but it sure came from under it and by then I wasnt thinking about where it came from.
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Old 02-22-2011, 08:17 PM   #13
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Default Re: Hit a large piece of iron on road. Insurance question

am i an ******* for avoiding **** at the last second when someone is tailgating?
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Old 02-22-2011, 08:22 PM   #14
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Default Re: Hit a large piece of iron on road. Insurance question

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am i an ******* for avoiding **** at the last second when someone is tailgating?
lol. I see what you're trying to say but I was not tailgating. There was no better alternative than to hit it.
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Old 02-22-2011, 08:24 PM   #15
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Default Re: Hit a large piece of iron on road. Insurance question

slam on your brakes?
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Old 02-22-2011, 08:24 PM   #16
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Default Re: Hit a large piece of iron on road. Insurance question

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lol. I see what you're trying to say but I was not tailgating. There was no better alternative than to hit it.
sorry, i was not trying to say you were tailgating. i believe you were following at a safe distance. sucks that this happened to you .
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Old 02-22-2011, 08:48 PM   #17
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Default Re: Hit a large piece of iron on road. Insurance question

I've known two locals that contacted the state after their lowered cars were damaged from the dips or bumps in the road. Both got paid by the state.
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Old 02-22-2011, 09:02 PM   #18
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Default Re: Hit a large piece of iron on road. Insurance question

In 2006 I hit a 5 inch deep, 4ft long pot hole in a local Simon mall parking lot. My front right, and rear right stock rim got a cracks, and the CD in my CD player got stuck. Security camera captured it. I told Simon malls they can either go to court with me, or they can fix it.

After 2 weeks of communicating, they sent of a private insurance type inspector (probably their property insurance). I faxed them receipts of my replacement parts and they reimbursed me. LOL 2 stock rims on a 2005 BMW M3 were $4,000. BMW business CD player was $400. I got a check a week later for around $4,500.

Try to do the same.
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Old 02-22-2011, 09:33 PM   #19
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Default Re: Hit a large piece of iron on road. Insurance question

man are you airing out your grievances or what son

did you take that home with you? lol
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Old 02-23-2011, 02:27 AM   #20
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Default Re: Hit a large piece of iron on road. Insurance question

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I've known two locals that contacted the state after their lowered cars were damaged from the dips or bumps in the road. Both got paid by the state.
The problem is he didn't hit a dip or pothole. He hit a huge piece of metal thats not part of the road.
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Old 02-23-2011, 02:53 AM   #21
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Default Re: Hit a large piece of iron on road. Insurance question

That's collision, not comp. That's not a projectile, it's something on the road that you ran over. You're responsible for being able to stop for or avoid what's in front of you.
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Old 02-23-2011, 04:30 AM   #22
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Default Re: Hit a large piece of iron on road. Insurance question

As a few people stated above, unfortunately you were probably driving too close to the truck in front of you since you could not avoid it or slow down. Whether or not that's true or not is irrelevant since that's how the insurance will see it since you already told them it was on the ground.

They are very particular about this. Was it in the air, moving, rolling on the ground, etc. I had a similar experience when I had to claim something like that. As long as the object did not hit the ground (i.e.: it came off another car, or ricocheted off another car into yours) it's covered under no fault comprehensive.

However, if it touched the ground at any point, it's a collision. If you talk to them and try to reason with them, and send them pictures (this is a huge piece of metal vs. a small rock) they might be able to work something out. Good luck.
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Old 02-23-2011, 04:36 AM   #23
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Default Re: Hit a large piece of iron on road. Insurance question

If it is on the ground, it is covered by collision insurance.
If it is in the air, it is covered by comprehensive insurance.
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Old 02-23-2011, 05:06 AM   #24
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Default Re: Hit a large piece of iron on road. Insurance question

that definitely didn't come off the truck in front of you. it's too big to even be on a semi.
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Old 02-23-2011, 10:40 AM   #25
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Default Re: Hit a large piece of iron on road. Insurance question

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If it is on the ground, it is covered by collision insurance.
If it is in the air, it is covered by comprehensive insurance.
Also, if its on the ground but moving, IE the metal just fell off the back of a truck and was still rolling down the road, it MAY also be considered comp.
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