Quote:
Originally Posted by Tailspin
Comprehensive specifically excludes any damage caused by collision with any other object..
That being said, I've seen stranger things happen, and I'm sure that no one would argue with the company paying a loss out as comprehensive rather than a collision loss, it wouldn't be at-fault, and the deductible is often lower. It would be nice, but I wouldn't count on it happening.
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Well in my experience for most hit and run accidents the insurer will consider this a comprehensive loss for the insured. The same applies to a collision with a deer (for example), where its considered a comprehensive claim even though by pure definition one might assume its a collision.
The difference, aside from the definition is that the driver or insured is not "at fault" for these kinds of losses whereas for a collision where there is some kind of driver error they are.