Bill Quickel's - Insurance Plus Agencies Inc. Blog
The decision to file a claim for your auto insurance is a big one. Yet, when you have significant damage to your car, it is worth doing so. As a driver, one of the biggest and sometimes unavoidable obstacles you face is the pothole. They spring up quickly in the spring and leave you overwhelmed with dodging them. Yet, when you hit one, they can cause a lot of damage. Will car insurance help cover the loss?
Do You Have Collision Insurance?
In order to file a claim against your car insurance for pothole damage, you need to have the right type of policy. Collision insurance is usually necessary. This type of coverage pays for damage that occurs to your car when you collide with an object. In this case, the pothole counts. This is an optional type of coverage for most people. However, it is a policy that is worth maintaining if you have a car that has value.
What About That Deductible?
While you could file a claim with your car insurance provider, you have to determine if it will help you. If the damage to your car is minor, it may not be possible to receive any compensation for your losses.
For example, let’s say you end up with a flat tire. That may cost $300 to fix. Most auto insurance policies have deductibles of at least $500. This may be much higher, even. If the cost of the damage is not above your deductible, you will not receive any payment.
On the other hand, it can help if the damage is significant. Let’s say you hit a deep pothole. It caused you to bend the rim of the car. You need an alignment, new tires, and other repairs. This may be more expensive. In this case, you may want to consider filing the claim. While you will still have to pay the deductible, you can also receive assistance for the repairs.
Turn to Your City, Too
City laws differ on this. However, if the city knew of the pothole and had time to fix it or warn drivers of it, they may be responsible for your losses. This is not always possible. However, if filing an auto insurance claim isn’t an option, you may want to consider this alternative.
Keep in mind that potholes can cause a good amount of damage if they have a jagged edge. If they are deep, they can also cause damage. If you run one over, take a look at your car right away.
Blog Post by: ITC