Unless it was an animal that ran into your car it would be Collision coverage that would apply.
It depends upon the type of damage and the cause of it; some physical damage is covered by the comprehensive coverage of an auto policy. For example, glass breakage and vandalism is normally covered by the comprehensive coverage. All of that said, collision and comprehensive coverages are generally offered and purchased in tandem. Therefore, if one does not have collision coverage, there is a good chance that there is no comprehensive coverage.
Comprehensive motor insurance usually covers bodily harm or damage caused by an accident. The comprehensive insurance also cover the liability of the car damages in regards to collision coverage. When deciding on collision coverage, it is important to consider the age of the vehicle to determine if comprehensive or full coverage is needed on the vehicle or if collision insurance would be the appropriate choice.
If you hit a deer, that's a collision and is paid out from your Collision coverage. Comprehensive is for Physical damage done to your car, such as a tree falling on it, theft, vandalism and fire. Yes, the comprehensive portion of your auto policy covers collision with an animal, such as a deer. It would be subject to your deductible. http://www.iii.org/individuals/auto/a/basic/ Actually it's covered out of comprehensive coverage and in most cases your rates will not go up. Comprehensive covers acts of nature including colliding with an animal
If you are in the process of quoting auto insurance, chances are the term comprehensive coverage has come up quite often. Comprehensive auto insurance coverage is a coverage that will pay to repair or replace your vehicle in the event of a covered loss up to the fair market value of the vehicle. Covered losses that fall under comprehensive include: fire, theft, vandalism, hail, and wind damage. Falling objects and hitting a live animal also fall under comprehensive. If you are financing your vehicle, you will be required to carry both comprehensive and collision coverages to satisfy lender requirements. The state does not require comprehensive or collision coverage.
The structure is covered but the contents of the restaurant are not. For instance, your ovens, sinks, dishes fixtures, tables,etc would not be covered. You must have liability insurance for the CONTENTS of the restaurant. I don't know everything about insurance, but I do know that liability insurance won't replace your furnishings. You will need the commercial equivalent of the comprehensive part of Homeowners Insurance.
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