Insurance Coverage and Falling Objects

Falling Objects

What if a meteorite or airplane parts fall from the sky and land on my vehicle?!?

What should I do if a sheet of ice and snow comes off of another vehicle on the highway and hits my car causing damage?!?

Our Massachusetts Auto policy tells us that there IS coverage under Comprehensive Coverage (Part 9), for losses caused by falling objects. What this means…

Comprehensive Coverage is coverage for events other than collision. Events that are out of your control…

  • Natural disasters: Earthquakes, Tornadoes, Hurricanes
  • Fire
  • Explosions
  • Vandalism
  • Theft
  • Run-ins with animals, such as deer
  • Broken Windshields (make sure you don’t have a separate glass deductible)

And last, but certainly not least in our case, here in New England:

Falling Objects


If you carry Comprehensive Coverage (Part 9) on your policy, then you DO HAVE COVERAGE if your vehicle is ever struck by a falling object  (After your Comprehensive deductible is applied).

If your car is struck by an object that came off of another automobile, do your best to get their information. If subrogation and recovery of your deductible is possible, it is vital to have the plate number of the other car! Otherwise, there is no way for the insurance company to recover your deductible and you will end up responsible for the entire cost $$ of the repair!

Do you have additional questions?  Shoot us an email at info@insurewithrichardson or click the lightning bolt to send us a direct message!

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