I was driving on 1-94 in Detroit when the vehicle in front of me lost its drivers side rear tire & wheel assembly. It came at me and hit my car. I have to file a claim with my insurance carrier (as it turns out the driver who lost their wheel assembly doesn't have active insurance) and my insurance carrier is telling me it's a comprehensive claim with a $500 deductible rather than an accident claim with a $0 deductible. I have a Michigan police traffic crash report from this incident. As a vehicle moving at 55mph lost part of their car that caused a collision with mine shouldn't this be a accident claim with my insurance carrier - this was a collision due to the mechanical failure of the car in front of me? Please let me know so I can dispute this with my insurance carrier.