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I had the same scenario happen to my MR2 on Knight bridge... a black wheel chock had fallen off a tow truck, I was driving at night, zero chance of seeing it... my car with brand new Gram Lights on it hit the chock, went BANG so hard and bent both my brand new passenger side rims and blew out both tires.
I call into ICBC... she asked me if it fell off the tow truck in front of me and I said no... so she said well then you should have seen it, road hazard, accident claim against you. I was like "So if I said it fell off the tow truck in front of me, it's hit and run and only a deductible?" and she said "Yup, but you already admitted it was just on the road so you're on the hook"... how the fuck they expect I can see a black object on a black road at night is beyond me, but I had to eat it all.
So, tell them it fell off the truck in front of you and don't say shit about a dashcam or otherwise and you should be covered. Worth a shot, even if they say no you can just choose not to have your insurance cover it.
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