Originally Posted by BJ67
Collision is collision , any damage appraiser can tell comprehensive damage versus collision. Any time the car makes contact with anything other than a animal or bird its collision. Doesn't matter if the car was parked, doesn't matter if any one was in it or not. Also If any panel including bumper covers are easily repairable, good shops fix rather than replace. The less paint work the better.
The auto policy pays for damage to auto's only 3 ways on there own insureds policy, comprehensive covers everything other than collision and the collision portion of the policy naturally pays for collision damage, separate full glass coverage pays for glass losses.
Perhaps it depends on carrier or state?
When GF was in an accident w/ a City owned vehicle - city is self insured and refused to pay, even though they were at fault - her carrier treated it as 'uninsured motorist" not comp/collision.
Ditto a windshield broken by rock or other object falling off or kicked up by a truck in front of her.