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Stinger6actual t1_j3zzmxk wrote

It is comprehensive. Under commonwealth law accidents with deer are considered no fault and your rates cannot be raised as a result.

I hit a deer once and thought my rates would jump so paid out of pocket. Years later I was talking to my insurance agent (family friend) and she explained that I was silly to do so.

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AFD_0 t1_j400mhm wrote

Just curious, but would that also apply to hitting a dead deer carcass left in the middle of the road?

Several years back I ran over a brick that must've fallen off someone's truck and they wanted to write it up as a collision, since it wasn't a moving object. Thankfully it only trashed the tire which was cheaper than the deductible, but with our hilly and windy roads, some shit is just hard to spot until you're already on top of it.

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SomeOtherOrder t1_j41y0o2 wrote

No. If you hit a stationary object, that’s typically considered collision not comp.

The “brick fell off someone’s truck” situation is tough. The moment it touched the ground, it’s no longer considered a falling object or “missile” so comprehensive wouldn’t apply.

If it fell off the truck and landed on your hood or windshield, that would be considered comp.

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AdAntique5099 t1_j42ftrh wrote

I see a lot of upvotes on this, I could not get a straight answer from anyone at Progressive after 40+ min on the phone and 5 different resources. I'm going for it based on your feedback and that of others. What is the deal with Progressive being so elusive about what in my mind is a straight forward question? It was as if I were asking questions about quantum physics.

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sprcpr t1_j46404z wrote

They have a vested interest in not being straightforward. Also, their call centers aren't regional as far as I know. They are supposed to have service with specific state knowledge but I've found it sketchy at best.

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