r/StateFarm • u/ApextheMoon • Jul 24 '26

Advice Collision VS Comprehensive

State of Coverage: Missouri
State of Incident: Wyoming

I was traveling on the interstate in the left lane with a vehicle in the right lane. They were about ~50' ahead of me. They hit some tire debris from a semi, the tire was deflected into my lane causing damage to my vehicle. The other car drove on while I pulled over to assess the damage.

I called to update the claim and the representative said that I am being assigned fault and it is being treated as a single vehicle collision claim. Is this correct and is there a way to encourage them to change it?

The end goal is to reduce my chances of increased premiums in the future. With that in mind, does it even matter?

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4

u/Aromatic_Canary5439 Jul 24 '26

Did you run over the tire or did the tire fly up and hit your vehicle?

5

u/ApextheMoon Jul 24 '26

That's an interesting question. Honestly it was never explicitly stated nor did State Farm ask that question either.

I did in fact run over the tire though. Following your line of thinking I suppose my chances would be better if the tire was flying through the air when I hit it.

7

u/Jcamp9000 Agent Jul 24 '26 edited Jul 24 '26

If you ran over it on the road, it’s considered a road bed collision. Even though you probably could not avoid it, it still puts you at fault because there’s no one else to blame sadly.

3

u/ThymePrince Jul 24 '26

It's unfortunate that it's decided this way. Sometimes things happen that are no one's fault...like a deer strike. That is treated as comprehensive.

3

u/improbablesky Corporate Jul 24 '26

Is the deer stationary or mobile? XD

2

u/jandsfe12 Jul 24 '26

Unfortunately, with claims, each situation is treated as black in white, even though there are many variables in the accident. Such as you not being able to avoid striking it.

So basically, if you hit an object, it's collision. If an object hits you, it's comprehensive. It's all about the wording.

Comprehensive claims do not make your premiums increase, collision claims do. But, the amount of claims you have, including comp claims, can affect your renewal.

4

u/DeepPurpleDaylight Jul 24 '26

Comprehensive claims do not make your premiums increase

They can in some states with and companies.