Driving is often an unpredictable endeavor. You have to navigate multiple risks while you're out on the road. The road conditions and patterns of other drivers differ every day. Auto insurance offers protection in the event of an emergency. The policy covers any damages to your vehicle as a result of a collision with another object. Comprehensive coverage protects you if your vehicle is vandalized or damaged in the aftermath of a natural disaster moving through the area. Perhaps you are curious about whether your policy covers any damages to your vehicle caused by a pothole or another piece of cracked concrete.
Here's a closer look at auto insurance pothole damage.
Potholes are formed due to the gradual erosion of roads. Once the roads start to crack, moisture develops inside. As colder temperatures move in, the moisture freezes and grow. This causes the pavement to stretch, bend, and eventually crack. As the pavement continues to erode, heavy traffic will cause a pothole to develop. While avoiding potholes at all costs is recommended, it's unlikely that you'll avoid hitting them completely. Perhaps the pothole is in your blind spot, or you don't have enough room to get around it. If you hit enough potholes, your suspension and tires may eventually become damaged.
Pothole damage is covered through your auto insurance policy as long as you have collision coverage. The insurance will cover any repair or replacement costs towards your vehicle minus your deductible. Your deductible is the amount you are expected to pay towards a claim before your insurance takes over the remaining balance. You're also covered if the pothole causes your vehicle to roll over. Liability insurance covers you if the pothole causes your vehicle to hit someone accidentally or damage an object. Be aware, though, that auto insurance does not cover natural erosion to your vehicle as a result of driving on bad roads. This includes any damage to your tires. It's also recommended that you pay attention to your deductible. If there is minimal damage caused by the pothole, it may be in your best interest to avoid filing a claim.
Some states are aware that potholes are starting to become a problem on the roads, and they are taking action. State lawmakers are starting to issue reimbursement payments towards drivers whose vehicles have been severely damaged due to potholes. If you plan to inquire about reimbursement, it's important to take extensive photos of your vehicle and the pothole. It's also recommended that you document the time and location where the damage occurred.
Potholes are capable of damaging your vehicle. However, purchasing collision coverage can help alleviate some stress because you will be protected if your vehicle suffers damage. If you have any questions regarding coverage, contact our team here at Fuller Insurance Agency, and we will assist you.