Pothole Damage: Does Your Insurance Plan Cover It?

pothole damage

Pothole season is among us, and it’s hitting people where it hurts the most, their pockets! People may wonder if their insurance will cover the damage that these craters in roads make.

In a survey conducted by AAA in 2016, $3 billion is spent on repairs in relation to pothole damage by those living in America. Potholes can bend your rimes and make tires flat. However, other joint issues are alignment, suspension, and steering problems. The type of insurance you have determines whether or not it covers these specific problems.

Auto insurance policy coverage ranges from mandatory to highly recommended. If you are leasing or financing your car, then companies require you to add collision coverage to your insurance. Collision coverage is relatively expensive, so many policyholders choose to receive higher deductibles as a means to keep their premiums per month on the lower end.

Pothole Damage Can Wreak Havoc On You Vehicle

Be that as it may, if your car hits a pothole and is damaged, then that collision coverage will come in handy. Collision coverage pays for any damage the comes from colliding with another vehicle, object, or flipping over.

Emergency roadside assistance is excellent because it handles towing, tire changes, fuel delivery, and lockouts. It’s something you’ll be happy to have if any of these inconveniences arise.

One way to receive reimbursement from such incidents is to file a claim. Companies may see pothole damage claims as accidents that are at your fault. Sometimes it’s best to pay for the repair yourself. Remember, if you file a claim for anything, there is always the possibility of your premium going up.

In conclusion, if your repair costs are less than your collision deductible, pay for it yourself. If there is significant damage, think before you file a claim. There’s a chance that your premium may go up if you do. There are other ways to receive reimbursement if you do pay out of your pockets such as sending a claim you the city or the state. However, if you chose this option, don’t hold your breath! It might just be best to have a rainy day fund for repairs that come out of nowhere.

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