Was traveling around the Atlanta Perimeter on the way to DFW for Christmas in our Sienna. Suddenly, my wife and I see a spinning piece of metal kick over from the lane to our right directly in front of us and have no choice but to run over it. Piece of metal hits front bumper and does very minor damage, but goes underneath the car and punctures the heater pipe which carries engine coolant to the rear of the van and also puts a hole in the muffler. Was fortunate to get towed to a dealer nearby and continue onwards in a rental. The piece of metal likely fell off a truck but will never know what it was or where it came from.
USAA is classifying this as 'at fault' under collision and not under comprehensive since the debris went underneath the car. The agent's explanation is that it would have been akin to hitting a pot-hole; a single-car accident. I have accident forgiveness so it shouldn't jack up my rates but classifying it this way ticks me off. Is USAA in the wrong or am I?
USAA is classifying this as 'at fault' under collision and not under comprehensive since the debris went underneath the car. The agent's explanation is that it would have been akin to hitting a pot-hole; a single-car accident. I have accident forgiveness so it shouldn't jack up my rates but classifying it this way ticks me off. Is USAA in the wrong or am I?