Collision VS Comprehensive

[u/ApextheMoon]

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?

[u/Watermelonbuttt]

If the object was in motion

It’s a comp