Cally Tingle

Question: My Car Insurance won't cover this?!?!?

I got into an accident on a rainy day. I did not hold collision or comprehensive. Because I skidded into a ditch and the car rolled, an oil leak occurred. The fire department came and had to put oil dry on the oil leak which was saturating the ground. I hold all the other coverages (liability/property damage, underinsured/uninsured motorist/medical). The fire department bill for the oil leak clean up / hazard removal was $500. The car insurance company says it falls under collision and since I don't have it they don't have to pay out the $500. I insisted it was under liability / property damage as the oil leak is a hazard and causes property damage. Is this fair that they said it falls under collision? Or should I fight it. If so how?

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