Does Car Insurance Cover Pothole Damage – Potholes are considered the life of the road because they occur mostly due to harsh weather. During winter and early spring, as well as harsh weather conditions, which include freezing and thawing cycles. Potholes on the road are likely to cause damage to cars. It is advisable to get car insurance coverage, but does car insurance cover pothole damage?
If you have collision car insurance coverage for your car, pothole damages may be covered under this policy. You may be able to file an insurance claim to cover damage to your vehicle caused by potholes, depending on your policy’s terms. However, potholes are likely to happen after the winter season. So protect your car against portholes and confirm if your car insurance policy covers pothole damages.
What Car Insurance Policy Covers Pothole Damages?
Every car insurance policy is purchased to cover damages made to your car due to one instance or another. Most insurance policies do not cover pothole damages. But if you have collision coverage over your car, damages made to your car due to potholes may be covered.
Collision car insurance coverage generally covers the repairs and replacements of damages made to a car after a collision. Any damage made to a car due to a pothole will be covered under this policy because it will be considered a collision.
Does Car Insurance Cover Pothole Damage?
If your car gets damaged due to a pothole, your car insurer will consider it to be a collision, even if there is no other car involved in the damage. Depending on your car insurance policy, pothole damages made to your car may be covered under your policy.
Unfortunately, if you do not have collision or all-perils coverage on your car insurance policy. Damages made to your car due to potholes may not be covered. You will have to cover these damages out of pocket, along with the cost of deductibles, if you file a claim for damages.
How Can Hitting a Pothole Damage Your Car?
Potholes may cause damage to your steering, alignment, and suspension systems. Driving over potholes can damage your car’s rims and tires. Other damages potholes may cause to a car include loss of control of your car, uneven tire wear, bulges in sidewalls, pulling in the wrong direction, low tire pressure, and dents in the car tire rims. It is better to avoid hitting potholes to avoid damage to your car. However, if ever your car gets damaged due to potholes, you can file a claim under your insurance policy.
How do I know if my Car is Insured for Pothole Damage?
Hitting a pothole while driving is considered a single-vehicle accident. Because of this, you may be able to file a claim under your insurance if it covers pothole damages. Before filing a claim, ensure that your car insurance policy covers pothole damages. If you have collision coverage, you can file a claim for these damages.
However, be aware that this claim will be added to your insurance record after filing a claim for pothole damages on your car under your collision insurance coverage. Ensure that you read through your policy coverage properly or contact your car insurer to get a better understanding of your car insurance policy and to confirm that your policy covers pothole damages.
How Does Collision Coverage Work for Pothole Damage?
Collision coverage covers the costs of repair for damages made to your car due to potholes. But you will be required to pay for deductibles out of pocket. These deductibles must be paid before your insurer will pay for the repairs to your car. Luckily, you can decide on what deductible you will pay while purchasing your collision coverage. If, after hitting a pothole, your car gets damaged, it is advisable to get a few estimates for repairs.
If the repairs to the damages made to your car are less than your car insurance policy deductible, it will be better to pay for repairs out of pocket. However, do not forget that your car insurer will only cover a limited coverage payment on your car repairs. Some car insurance companies offer policy coverage equal to the actual value of the car. It is also important to be aware that if you finance or lease your car, you may be required to get collision coverage with your car insurance policy.