[Scooter]

First off, lets think about what is the proper terminology. Insurance companies do not use the word "crash." They use "collision." I would tend to use the insurance terminology. Here is how Saefco defines an incident:

Collision coverage: Pays to repair damage to your vehicle that is caused by an accident involving other vehicles and objects like guard rails, sign posts, trees and buildings. In other words...stationary objects. (maybe "crash"?)

Comprehensive coverage: Pays to repair or replace your vehicle if it is stolen, vandalized or damaged in some way other than in a collision. Includes loss or damage from fire, flood, falling objects, wind, hail and collision with an animal. In other words...non-stationary objects.

Before you come down too hard on Island, I would look at these definitions. I personally would agree that hitting a metal object in the road would not be a "crash," but would be covered as a comprehensive coverage item, like hitting an animal. To me, the closest definition to crash would be collision.