Quote:
Originally Posted by Slava
Well in general a collision implies you are operating the vehicle and collide with something. A hit and run you aren't driving (most commonly) and it's almost like vandalism. Maybe we just gave people a break (it was a number of years ago, now that I think about it!), but we definitely put these as Comprehensive claims when it was a hit and run.
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Were you a summer student
Collision does not specify that you need to be operating your vehicle. Also operating your vehicle goes as far as opening and closing your door when the vehicle isn't even turned on.
As for vandalism or malicious acts it wouldn't apply as comprehensive as there is no way to prove that it was intentional. There is no intent or malice and no way to prove same. Damages are the result of an accident and a collision or upset to an insured vehicle by an unidentified third party.
Vandalism or malicious act :
http://legal-dictionary.thefreedictionary.com/Vandalism