Not really the debris is colliding with the car. Even a pebble hitting a wind shield can hit with quite a bit of force and is also a collision. Let alone larger

Not really the debris is colliding with the car. Even a pebble hitting a wind shield can hit with quite a bit of force and is also a collision. Let alone larger debris on the road. Also both objects dont need to be moving for instance you can collide into a tree or guard rail. Now insurance certainly can exclude things that are collisions. A common on in the US are animal collisions like deer ect...