Comprehensive or collision?

The damage to the vehicle was not a direct result of wind.

If the wind had blown the gate into a parked car, that's one thing. But if the wind blew open the gate and the driver drove or backed into the gate, that's another. The former would be covered under comprehensive, and the latter would be collision.

Assuming this is a real life question and not a test question for you to get your license, my real life answer would be that 1)the adjuster is going to decide so it doesn't matter what I think, but more importantly I don't really see why it matters. Why file a claim for $300....just pay for it yourself...while your at it, raise your deductible and invest the savings into a Roth IRA. BTW, I think it's collision. Even if the gate was still moving, I can see it being interpreted in much the same way as when to people back into each other i.e. both at fault.

It will depend on their insurance company. Collision would imply that it was a persons fault, i.e. she ran into the gate. Comprehensive would imply it was just something that happened. (Like when a deer jumps out in front of a car, a tree limb falls on the car, etc.,) Call the insurance co. It's the best way to get their answer. I will say, I've noticed that the sooner you call them, the better and nicer they are.

Collision.

Comprehensive is usually defined with a list of perils - including falling objects, collision with an animal, missles, etc. Those are the closest perils I could come up with, out of the list. And that fence is not a missle, an animal, or a falling object.

I would say comprehensive if the wind caused it. Same as if a tree branch blew down on your car.

I would say comprehensive too b/c it wasn't an actual accident