Our insured has both collision and other than collision coverage on his auto. The facts of the incident are that the insured opened the car door as a big truck was speeding by. The breeze from the passing truck caused the car door to go out of his hand and smash into the front fender of the auto; the car door, the fender, and the door hinge were all damaged. The insurance company has taken the position that this was a collision loss because the wind that tore the insured's grip off the door was not caused by the weather, but by the passing truck. The insurer is saying that windstorm is an other than collision peril, but that the wind damage must be caused by natural weather conditions. What is your opinion on this matter?
Wisconsin Subscriber
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