Claim advice

Ok...just ran across this one. If you "run over something" might it be an animal, bottle, can, rock, etc. Make sure it doesn't do any damage. If it does that would be considered a collision and not a comprehensive claim. That would mean that you might be able to be surcharged for the claim dependending upon what company you are with. "Craig" just called in and ran over a bottle. Asked if it flew in front of him or was laying there. Said it was laying there and caused damage to the underside of his car. That would be classified as a collision because the bottle was not moving. just think of it as an inanimate object and to avoid it. Same goes if a deer is dead and laying in the road...it is a collision with an object but if the deer is moving and you swerve (hint hint) but still hit him...it is classified as a comprehensive claim. So take this to heart...Don't hit anything that is on the ground and not moving because it could cost you more hassle than it's worth.