I hit the bottom part of my car with a rock and damaged the engine, does the insurance covers this?

Question

I hit the bottom part of my car with a rock and damaged the engine, does the insurance covers this?

Answer 1

No

Answer 2

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Answer 3

Well, if you THREW the rock and damaged the engine then probably not; if you drove over the rock this would, indeed, be covered under your collision coverage.

Answer 4

It MAY if you have full coverage and can prove it wasn't done by negligence on your part such as off-roading in it.

Answer 5

It's a possibility.  Your adjustor would have to inspect damage, get a body shop's report, and make that determination to see if that's what has caused the damage.

Answer 6

If you have collision coverage you may have coverage depending on what your policy says. In my jurisdiction this is considered to be a collision claim because you had a collison with a object on the road and it would be covered subject to the deductible. I would report and see what the adjuster says about your coverage.