It is the rare occasion where you hit something while driving and it is not counted against you as a responsible accident. Most states and insurance companies will not consider this kind of claim a responsible accident. Contact your insurance company to find out how they view thisĀ and make sure that there would not be charges associated with a comprehensive claim.
When you purchase comprehensive coverage, you will select a set deductible, which is the amount you pay out of pocket toward a covered claim. Let's say you choose a $500 deductible, and your car is later damaged by hail in a covered claim. If it costs $1,500 to repair your car, you would pay your $500 deductible, and your insurance would pay the remaining $1,000.
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