Does Comprehensive Auto Insurance Cover Damage From Road Debris?

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    Act of God Coverage

    • Comprehensive auto insurance policies protect drivers from debris caused by an act of God, which may include any situation in which a natural occurrence happens that is beyond the human control. Natural disasters such as tornadoes, landslides or earthquake-related debris are covered under the act of God rule.

    Other Driver Debris

    • If debris hits your vehicle due to a collision or another vehicle's falling debris, comprehensive car insurance will not cover this, as it is not an act of God or nonhuman occurrence. However, falling debris from another vehicle may be covered with a collision insurance policy if an accident was involved, or with the other driver's car insurance liability policy.

    Action vs. Inaction

    • According to the website Best-Automobile-Insurance.info, comprehensive coverage depends on the placement and action or inaction of the debris before impact. For example, if debris is on the road and not moving and your vehicle runs into it, comprehensive will not cover the damage, although collision insurance may. Conversely, if your vehicle is struck by a moving object, such as a rock falling in front of the car from landslide, it is covered under comprehensive.

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