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Just a comment regarding damage to the front lip that some of you might not be aware of. Not all front lip damage would involve your collision deductible. Many people have a smaller deductible or some even no deductible under their comprehensive coverage. If the object you hit is moving at the time you hit it, it should be covered by your comprehensive coverage. It would be considered a missle. Examples would be if something fell off a truck and slid into the front of your car. Perhaps a rock falls off the mountain and slides under the front of your car. Or maybe a tire blows on a car in front of you and a part of that tire flies over into your lane. Those would all be comprehensive losses. Another advantage of a claim being handled under comprehensive coverage and not collision coverage is the insurance company should not consider a comprehensive claim as a chargeable loss and it should have no impact on your premium.
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