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Adjuster Bumper

September 3rd, 2008 admin

Who is at fault in this scenario?

I was driving home from work this evening and a piece of metal came off of the back of a semi and hit the front of my vehicle (70 mph). It basically cut my bumper in half. I wouldn't have been as close to him as I was but he had just crossed in to my lane. Any insurance adjuster/law enforcement help here? I did get the license plate # and gave it to the police...

Assuming the truck didn't stop and/or you don't know who he was, It will be covered by your insurance. If the metal fell off of the truck and then hit the pavement and then your car it will be a collision claim. If it hit your car without first hitting anything else, it is a comprehensive claim A comp claim is the best situation for you and your insurance because comprehensive claims are normally not surcharged and often collision claims are surcharged.

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