4 ms·

> It's a stretch to describe road debris hitting the undercarriage of a car a "collision". The insurance that covers such an event is literally called collison

> It's a stretch to describe road debris hitting the undercarriage of a car a "collision". The insurance that covers such an event is literally called collison insurance.

awsthro00945 5y ago
I have no clue why you're being downvoted (and I'm being downvoted now too, lol). If you hit a rock in the road, or a pothole, or a tree, it is covered under collision insurance. For posterity: https://www.investopedia.com/terms/c/collision-insurance.asp https://www.investopedia.com/terms/c/collision-insurance.asp > ... it will cover damage from potholes, and accidents involving an inanimate object.
- barrkel 5y ago
  Perhaps part of the confusion here is UK vs US? A collision in the UK would normally involve a third party. In the rental space, collision damage waivers - CDWs - explicitly don't cover undercarriage, wheels, windshields and so on, the kind of damage we're talking about here. https://www.aviva.co.uk/insurance/motor/car-insurance/what-are-collision-damage-waivers/ https://www.aviva.co.uk/insurance/motor/car-insurance/what-a...
  - kube-system 5y ago
    Ah yeah. In the US, collision also typically applies to single vehicle collisions. (With the frequent exception of animal collision)
  - awsthro00945 5y ago
    At the US rental companies I've used, CDWs specifically do cover those things, and in fact cover pretty much everything related to any damage of the vehicle (with caveats, like you were using the vehicle for something illegal). I guess the US/UK difference is good to keep in mind next time I head to the UK. https://www.avis.com/en/help/usa-faqs/cdw-insurance https://www.avis.com/en/help/usa-faqs/cdw-insurance https://www.avis.com/en/products-and-services/protections/loss-damage-waiver https://www.avis.com/en/products-and-services/protections/lo...
effingwewt 5y ago
Indeed. I have full coverage with Geico, as well as uninsured motorist coverage, damage etc. Well the other night some asshole decided to pac-man all the cones on the highway late at night so we had to navigate a field of almost impossible to see cones (the borders are black and there were no lights up). Several cars, including mine ended up running over a few. I got lucky as it just messed up my paint a bit on the front bumper and I lost a license plate. Two other vehicles crashed over it, really sucked. Called Geico when I got home and was informed I don't have collision coverage. They told me for this I would have needed comprehensive coverage and collision coverage. Well joke's on them, my renewal is this month and I'm bouncing. I'd rather find another company that won't weasel out on me. When I signed up I said I wanted to be covered no matter what. I pay enough monthly I should be. Forcing nsurance (health and renters, cars,etc) should be illegal,it doesn't work as it should. It ends up being a tax we pay to still have to pay out of pocket no matter what.
- kube-system 5y ago
  Yikes. That’s an unfortunate but sadly common mistake. Terms like “full coverage” don’t really have any real meaning, despite people repeating the made-up term. I am fairly certain that it would be illegal for an agent to sell that to you without clarifying. Funny enough, one of the first articles to pop up in a search for this is from Geico: https://www.geico.com/information/aboutinsurance/auto/full-coverage/ https://www.geico.com/information/aboutinsurance/auto/full-c...
- Marsymars 5y ago
  > Forcing nsurance (health and renters, cars,etc) should be illegal,it doesn't work as it should. What's your alternative to mandatory liability insurance, given that there are drivers with much greater liability risk than others?
  - effingwewt 5y ago
    Not sure maybe we all just pay a tax to cover the damage...exactly like insurance is supppsed to be, but more like a co-op so it's just us, no C-Suite asshats stealing 99% of the money for themselves. Insurance on paper sounds good, it's the ever-greedier businesses that eff it all up. As another reply to me mentioned, 'full-coverage' should be just that. The US allows so much lies I believe nothing, our gov't lies ,ads lie, politicians lie,police lie,lawyers...well

> It's a stretch to describe road debris hitting the undercarriage of a car a "collision". The insurance that covers such an event is literally called collison insurance.

awsthro00945 5y ago

I have no clue why you're being downvoted (and I'm being downvoted now too, lol). If you hit a rock in the road, or a pothole, or a tree, it is covered under collision insurance. For posterity: https://www.investopedia.com/terms/c/collision-insurance.asp https://www.investopedia.com/terms/c/collision-insurance.asp > ... it will cover damage from potholes, and accidents involving an inanimate object.

barrkel 5y ago
Perhaps part of the confusion here is UK vs US? A collision in the UK would normally involve a third party. In the rental space, collision damage waivers - CDWs - explicitly don't cover undercarriage, wheels, windshields and so on, the kind of damage we're talking about here. https://www.aviva.co.uk/insurance/motor/car-insurance/what-are-collision-damage-waivers/ https://www.aviva.co.uk/insurance/motor/car-insurance/what-a...
- kube-system 5y ago
  Ah yeah. In the US, collision also typically applies to single vehicle collisions. (With the frequent exception of animal collision)
- awsthro00945 5y ago
  At the US rental companies I've used, CDWs specifically do cover those things, and in fact cover pretty much everything related to any damage of the vehicle (with caveats, like you were using the vehicle for something illegal). I guess the US/UK difference is good to keep in mind next time I head to the UK. https://www.avis.com/en/help/usa-faqs/cdw-insurance https://www.avis.com/en/help/usa-faqs/cdw-insurance https://www.avis.com/en/products-and-services/protections/loss-damage-waiver https://www.avis.com/en/products-and-services/protections/lo...

effingwewt 5y ago

Indeed. I have full coverage with Geico, as well as uninsured motorist coverage, damage etc. Well the other night some asshole decided to pac-man all the cones on the highway late at night so we had to navigate a field of almost impossible to see cones (the borders are black and there were no lights up). Several cars, including mine ended up running over a few. I got lucky as it just messed up my paint a bit on the front bumper and I lost a license plate. Two other vehicles crashed over it, really sucked. Called Geico when I got home and was informed I don't have collision coverage. They told me for this I would have needed comprehensive coverage and collision coverage. Well joke's on them, my renewal is this month and I'm bouncing. I'd rather find another company that won't weasel out on me. When I signed up I said I wanted to be covered no matter what. I pay enough monthly I should be. Forcing nsurance (health and renters, cars,etc) should be illegal,it doesn't work as it should. It ends up being a tax we pay to still have to pay out of pocket no matter what.

kube-system 5y ago
Yikes. That’s an unfortunate but sadly common mistake. Terms like “full coverage” don’t really have any real meaning, despite people repeating the made-up term. I am fairly certain that it would be illegal for an agent to sell that to you without clarifying. Funny enough, one of the first articles to pop up in a search for this is from Geico: https://www.geico.com/information/aboutinsurance/auto/full-coverage/ https://www.geico.com/information/aboutinsurance/auto/full-c...
Marsymars 5y ago
> Forcing nsurance (health and renters, cars,etc) should be illegal,it doesn't work as it should. What's your alternative to mandatory liability insurance, given that there are drivers with much greater liability risk than others?
- effingwewt 5y ago
  Not sure maybe we all just pay a tax to cover the damage...exactly like insurance is supppsed to be, but more like a co-op so it's just us, no C-Suite asshats stealing 99% of the money for themselves. Insurance on paper sounds good, it's the ever-greedier businesses that eff it all up. As another reply to me mentioned, 'full-coverage' should be just that. The US allows so much lies I believe nothing, our gov't lies ,ads lie, politicians lie,police lie,lawyers...well