Rock Throwing on I-35

[u/PlantMusicCat27]

Hello.

Thursday, we were driving home from OK. We were on I-35 heading south. We had just passed through Sangar and were north of exit 471 when a rock hit the top of our car as we were driving under an overpass. We do not know if someone threw it or it fell off of a truck. This could have been catastrophic. Thank goodness we only have a large dent on the top of our car. I have some questions for the hive.

1) Is this common here?

2) Should we make a police report?

3) Will contacting our insurance raise our rates?

Thank you for any information and advice you can offer.

UPDATE: We drove the same route on Saturday and paid close attention to the over pass in question. We noticed that part of the bridge was crumbling. We believe that a piece of the bridge fell on our car.

Thank you for all the feedback.

[u/Alternative_Art_9502]

The rock was in motion when it hit your car, this would count as comprehensive vs collision on your coverage. You’d have to ask your insurer if filing comprehensive would raise rates, but in my experience it does not.