Neither. A rock hitting you're car is a minor damage and isn't handled by insurance companies. If a grown person does it you could file vandalism and demand the money for repairs. If it is a minor, 4-12, the damage stays and you really can't do much about it.
Comprehensive motor insurance usually covers bodily harm or damage caused by an accident. The comprehensive insurance also cover the liability of the car damages in regards to collision coverage. When deciding on collision coverage, it is important to consider the age of the vehicle to determine if comprehensive or full coverage is needed on the vehicle or if collision insurance would be the appropriate choice.
Comprehensive coverage protects you against damages to your car that are the result of covered issues not related to a collision, such as an animal. Some insurance companies do not cover damages due to animals.
Liability insurance only covers someone else in the case that you are responsible for damages caused in a collision. Comprehensive coverage will cover a driver that you hit, as well as cover yourself for any damages inflicted during a collision.
Your collision coverage will take care of this. Comprehensive is for things such as theft, acts of god (such as a tree falling on your car), etc. Collision is for well crashes. You incurred a vehicle malfunction which caused you to have an accident, or collision.
That should be covered by comprehensive insurance and the insurance company will pay for damages minus any deductable.
Liabilty will not cover damage from a collision with a deer no matter what insurance company you have. Animal collisions are covered under "Comprehensive" or "Other Than Collision" coverage. Liability only covers damage you do when you are at fault.
Comprehensive Coverage.
It depends on the type of insurance you have and your policy. Comprehensive coverage protects you against damages to your car that are the result of covered issues not related to a collision, such as an animal. Some insurance companies do not cover damages due to animals.
Comprehensive insurance helps to pay for damages to a vehicle that were not the result of a collision. If you want insurance when a vehicle is damaged by fire or theft , then you should purchase comprehensive motor vehicle insurance.
In case you have a Comprehensive Car Insurance Policy or Standalone Own Damage Car Policy, only damages against an animal attack such as a deer attack are covered. For more clarity on this, you can either read your policy document or get in touch with the customer care of your insurer. Hope, this answer was helpful!
Actually, hitting a deer is generally covered by your comprehensive coverage, not collision. Comprehensive covers "acts of God," which include hitting animals because it was an act of God that the animal was there at that time. Reading your insurance policy will clarify exactly which kinds of claims are covered by which types of insurance. There are 3 catagories for car insurance: 1. Liability (covers you if you hit someone else) 2. Comprehensive (covers you if an uninsured driver hits you), and 3. Collision (covers you if you hit something -for instance, a deer-)
It's called Collision coverage and is usually purchased along with Comprehensive coverage when you buy your auto insurance. If you purchased the collision coverage option when you bought your auto insurance policy it will be covered.AnswerThird party car insurance.