I learn something new everyday....

and what is the lesson I learned today? do not tell the insurance company that your car was in any way or formed harmed by a shopping cart. cuz if u do, that would be consider a collision. how? well...let me elaborate and fill you in on the conversation I had with the claims agent.
first some background info...I didn't notice the scratches on my car until late in the afternoon after work when I went to the company garage to retrieve my car...to my astonishment, there were multiple scratches all over the bumper and drive side doors. my immediate response was to find someone to blame...why would I do that u may ask...instant gratification should I be able to fault someone else...but as the garage attendants explained how they could not have caused the damage, I was already fuming, so I waved them away and drove home.
I wanted to call the insurance immediately, but I didn't have their phone number, tho it was staring at me right in the face, I had to dig thru piles and piles of mail to find the original statement to get a number that has been written in all my other statements...DUH!....
finally getting hold of a number and getting thru to a claims agent...here's the good part where I totally get screwed....so the claims agent asked how I suspected the damages were caused...I said, most likely a shopping cart....DING DING DING....well u see boys and girls, a shopping cart has four wheels and is mobile, hence it constitutes to be called a vehicle, so when u get scratched by a shopping cart, it would be considered collision damage...not comprehensive...and with the way I purchased my insurance coverage (comprehensive deductible $250, collision $500) I basically screwed myself by telling them the truth about the shopping cart.

so what have we learned here? never tell the truth (no good deed goes unpunished)
and never ever talk about any type of shopping cart when trying to make a claim...
I would avoid all tonka trucks, kiddy tricycles, and especially never to buy ur kid one of those toy cars where they could maneuver....that would constitute under age driving, driving with out a license and insurance and definitely will entail repo of the "vehicle" and imprisonment of both you and your child.

consider yourselves warned!!! good luck and god bless!!!!