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      12-21-2012, 08:04 AM   #15
TommyG@ColemanAutobody
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Drives: 2011 335i sedan 6MT
Join Date: Apr 2010
Location: Coleman Autobody

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I'm thinking that your wording is the most important.

If you put in a claim stating the wind blew the dumpster into the car, it should be a Comprehensive claim. This may carry a lower deductible (hopefully for you) or someone maliciously pushed it into the car its vandalism and still a comp claim.

The difference on your policy is very minimal to have a low comp deductible b/c most claims are collision.

I have a lot of experience with Travelers and can guide you if you like.