Toyota says I have lots of damages.

It's the insurance terminology for non-manmade occurances. Your policy should define it and your coverage. Examples would be a tree falling, a sinkhole opening, or a meteor hitting your car.

 

https://youtu.be/mVkWA0uoYC8 don't worry insurance will cover it

 

In this thread: Lots of people who haven't read their insurance policy and prefer that the company gets more of the money than the policyholders

 

That truck looks fine.

 

Things people love; signing things.
Things people don't love; reading things.

I love sitting and reading contracts while people are like "it's all just legal jargon, the usual, you know..." Great, I am not a lawyer so you won't mind if I review it then.

 

That was a stolen truck.

 

Covered loss

 

he did nice job holding on to it.

he did not

 

The guy thought he was in a rally?...

 

Maybe it was Colin Mcrae himself...

 

I believe that's comprehensive?

Hitting an object on the road is only covered and not at fault if it was airborne when you make contact, if it's on the ground when you first hit it, it's assumed you should have stopped, slowed down, or driven around it. (At least that's what the adjuster told me when a piece of metal came off a scrapping truck that must have been loaded by none other than the Beverly hillbillies and wreaked havoc on my last car.

 

Comprehensive is the type of coverage. Act-of-God would refer to a loss, covered or not, as spelled out in your contract. Sometimes called force majeure, or each thing is spelled out. My Geico auto policy for CA doesn't include it but my USAA homeowners policy for LA does include it. The USAA definition is 'An “act of God” shall mean an incident due directly to natural causes and exclusively without human intervention.'

 

So, wind blows a tree over on your truck and they cover it. You were cutting down said tree and it fell the wrong way and they will not.

 

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Depends. Your contract will spell out what is a covered loss and what is not. My policy only cares whether the damage was accidental or deliberate. If the wind blows down a tree, I'm covered, if I cut down a tree and it falls in a different place than I hoped, I'm covered, but if I drop a tree on my vehicle purposely it would not be. That is why insurance companies employ adjusters and investigators. But there are way more idiots than people with malicious intent.

 

I thought op’s truck was white???

 

What’s the matter Bill? Couldn’t find an animated GIF to communicate your thoughts?

 

Its definitely friday.