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if you can find the truck that dropped the wood to begin with they are the negligent party (unsecured load), if not, then likely will go under your comp or collision coverage, not the guys fault that hit the wood that was in the road way unless he did it on purpose which would be unlikely......if the wood were put into flight and hit your vehicle before hitting the ground again, should go under your comprehensive coverage under the peril of 'falling object' most comp losses are not judged as 'At Fault losses' and shouldn't be a rate increase, will be a claim on your policy of course......finding the truck of course is your best bet......if under your collision coverage again shouldn't be an 'a fault' but once again will be a claim on your policy....some (not all) insurance companys will rate up after numerous accidents whether your fault or not.........

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18y ago

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