Cover Fender
Driving down the highway if somone hits a 2x4 wood and it hits your car is there insurance going to cover it?
ok so they ran over a 2x4 peice of wood layinig in the road and it flew up and took my side mirror off and put a huge dent in the fender well. i got her to pull over and we made a police report i just want to make sure her insurance will cover it... its labor day so insurance place is closed.
Nope, that is your insurance. She had nothing to do with the 2x4 if it was already in the road. I am surprised the officer didn't tell you that, but your insurance company will.
Unless she was transporting the lumber, and it flew out because it was not secured properly, it is not her insurance that will respond, because she is not liable any more than she would be for a rock in the road, or a piece of tread from a semi, or somebody else's lost muffler, or any other detritus she didn't lose on the road.
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