Hitting a stationary tire or piece of road debris lying flat on the pavement is typically classified as a collision insurance claim because your vehicle physically struck an object on the ground. However, if a tire or piece of debris flies off another moving vehicle and strikes your car mid-air before it hits the ground, that incident is frequently categorized as a comprehensive claim because it is treated as a falling or airborne hazard outside of your direct control. Reviewing the exact details of the incident with your claims adjuster determines the final category.
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