☰ ˟
Absolute Financial Group
Call Us Today 888-823-4467
  • Home
  • Get A Quote
    • AutomobileImage of right arrow
      • Auto Insurance Quote
      • Auto GAP Insurance Quote
      • Mexico Travel Insurance Quote
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Builders Risk
      • Liquor Liability Quote Form
      • Workers Compensation Quote
    • Earthquake
    • Farm
    • Flood
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Manufactured Home Quote
      • Homeowner Flood Quote Form
    • LifeImage of right arrow
      • Life Insurance Quote
      • Term Life Insurance Quote
    • Limousine
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Trucking
    • Watercraft & Boat
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • HomeownersImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
    • Life
    • MotorcycleImage of right arrow
      • Request ID Card for Motorcycle Policy
      • Request Declaration and Coverages Page for Motorcycle Policy
    • Other
    • Recreational VehicleImage of right arrow
      • Request ID Card for Recreational Vehicle Policy
      • Request Declaration and Coverages Page for Recreational Vehicle Policy
    • Renters
    • Watercraft & BoatImage of right arrow
      • Request ID Card for Watercraft Policy
      • Request Declaration and Coverages Page for Watercraft Policy
  • Blog
  • Make a Payment
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Calculators
    • Free Reports
    • Insurance Glossary
  • About Us
    • About Absolute Financial Group
    • Location Map
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Logo
Time For An Insurance Checkup.
Auto Home Business Motorcycle Life
Home > Blog > Does My Car Insurance Cover Pothole Damage
THURSDAY, JULY 26, 2018

Does My Car Insurance Cover Pothole Damage

The good news is, yes, pothole damage is usually covered—provided you have collision coverage. Collision coverage, an optional portion of a standard auto insurance policy, covers damage to a car resulting from a collision with an object (e.g., a pothole, lamp post or guard rail), another car or as the result of flipping over. However, it does not cover wear and tear to a car or its tires due to bad road conditions.

Collision coverage is generally sold with a deductible—the higher your deductible, the lower your premium. Your collision coverage will reimburse you for the costs of repairing your car, minus the deductible.

Collision insurance is different from comprehensive insurance, which is also an optional coverage. Comprehensive coverage reimburses drivers for theft, vandalism, flooding and damage from fallen objects, such as trees.

A driver who hits another car, or a pedestrian, due to a pothole also will be covered by liability insurance, which is required to drive legally in every U.S. state except New Hampshire. Liability coverage applies to injuries that you, the policyholder or designated driver, cause to someone else.

In addition to filing a claim with your insurance company, some jurisdictions, like Chicago and New York state, may pay for pothole damage in certain cases. A driver who has had pothole damage needs to determine what jurisdiction is responsible for the road and inquire about compensation for pothole damage. Then the driver must file a claim.

Potholes usually cause relatively minor damage to cars, mostly to the wheels and tires. In some cases, potholes can also damage to the steering, suspension and alignment systems. Since the pothole damage your vehicle may incur could fall below the amount of your deductible, typically $500 or $1,000, it may not be practical to file a claim.

Facts and figures

Most motorists carry collision coverage on their vehicles. In the United States, 73 percent of insured drivers had collision coverage as of 2015, the most recent year for which the National Association of Insurance Commissioners (NAIC) has data.

The NAIC found that 78 percent of all drivers had comprehensive coverage in 2015.

For information on what the typical American policyholder spends on auto insurance, see our Facts & Statistics: Auto Insurance

Posted 10:34 AM

Tags: auto insurance, car insurance, pothole damage, pothole insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by Absolute Financial Group to provide information that may be of interest. Absolute Financial Group is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
Blog Archive
  • 2018

  • auto insurance(5)
  • car insurance(5)
  • iowa car insurance(3)
  • home owners insurance(3)
  • iowa auto insurance(3)
  • uber(2)
  • life insurance(2)
  • minnesota car insurance(2)
  • minnesota auto insurance(2)
  • business insurance(2)
  • commercial insurance(2)
  • leasing(2)
  • affordable auto coverage(2)
  • health insurance(1)
  • insurance producer(1)
  • homeonwers(1)
  • disability insurance(1)
  • single parent(1)
  • insurance agent(1)
  • college(1)
  • home owners(1)
  • home owner(1)
  • natural disaster(1)
  • roadside assistance(1)
  • commercial coverage(1)
  • pothole insurance(1)
  • business coverage(1)
  • pothole damage(1)
  • state auto insurance(1)
  • rental car insurance(1)
  • pmi(1)
  • medical payment(1)
  • married parent(1)
  • college health insurance(1)
  • closing costs(1)
  • college students(1)
  • coverage(1)
  • insurance coverage(1)
  • homeowners insurance(1)
  • comprehension(1)
  • home owners coverage(1)
  • collision(1)
  • insurance claim(1)

View Mobile Version

Connect with us

Social Social

Check us out

512 6th St
Kensett, IA 50448
Phone: 888-823-4467   641-450-3557
Email Us

Fill out the form below to get started with an insurance quote

© Copyright. All rights reserved.    Blog Site
Powered by Insurance Website Builder