Have you ever hit something in the road on the freeway?

Have you ever been driving down the road and all of a sudden something is on the road in front of you and you hit it. I hate it when that happens. Car insurance seems to come into play more times than not. When the insurance adjuster interviews you about what happened, they are asking probing questions trying to determine if the object you hit was "moving" or "stationary". If the object was moving when you hit it, the claim is a "comprehensive" claim and will NOT be considered an "at fault loss" and will NOT raise your insurance rates. However, if the object was "stationary" and you hit it, it is a "collision" claim and WILL be considered an "at fault" accident and the claim will cause your insurance rates to increase. That increase will stay with you for 3 years. Make sure you are very clear in your own mind as to what happened BEFORE you talk to the insurance company and adjuster.