I recently submitted a comprehensive coverage claim because I had damage on my car's glass, paint and chrome.

The denial you describe does not stand up to scrutiny. For example, insurance companies routinely pay for damage caused by tree sap (if you have comprehensive coverage). If damage by tree sap is "direct and accidental," then how can it be argued that acid rain is any less so?

Unless it can be proved that you deliberately sought out exposure to acid rain, which is highly unlikely, the loss is unquestionably "accidental." Also, there is no question that your loss is "direct" when referring to place (i.e. the exterior of your car). Further, assuming that each drop of acid rain causes its share of damage, each occurrence is also "direct" as to time. Simply, a lot of little losses occur before they become measurable. If your insurer continues to deny your claim, contact your state insurance department to find out how to file a complaint.

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