Relax
Well-known member
If you hit moving debris, I suspect it would be a comp claim, not collision. That shouldn't affect your rates (if it is a comp claim. An animal would be a comp claim but I haven't dug into the specifics as to inanimate objects flying).
Unfortunately, I agree with the others and this looks like it came apart inside. The marks on the part in your second picture that look like it was chewed are quite concerning. Based on the schematics, I am surprised something back there had that much energy. It's pretty far away from the engine and the transmission appears to have another layer of separation above.
Do you still have warranty? If yes, I wouldn't be pulling more apart even though I desperately want to know.
I'm not sure which it would be covered under, but I have been told that if the object touching the road before you hit it, then it would be considered an at fault claim. Of course they should check with their own insurer or at least the fault determination rules. And best to discuss with a broker or agent, NOT the insurer directly, as they may file the claim regardless.