Is Pothole Damage Covered By My Policy?

Understanding Pothole Damage Coverage Hitting a pothole in the middle of the road is never a pleasant experience. Often, no matter how much you try to brace the obstacle it still ends up causing damage to your vehicle. Which brings up the question, €œWho is responsible for covering pothole damage? My insurance or the city's? So that you can be an informed motorist, we have gathered some helpful information for handling pothole damage:

• First things first, if you see a pothole in the road, try to take steps to prevent damage. This means slowing down instead of braking over the pothole. If safe, you can veer away from the pothole, but never swerve abruptly to avoid hitting one.
• The most commonly impacted areas of a car that are affected by an encounter with a pothole are the alignment systems, suspension systems, and steering. Potholes can also have a negative effect on your tire pressure and control of your vehicle.
• Some cities and states offer a limited amount of compensation for some pothole circumstances, but that is only after you go through their extensive claims process.
• Your insurer may accept a claim for pothole damage if you have collision and comprehensive coverage, but keep in mind, you will only want to file this claim if the damage exceeds your deductible. Also, do not expect regular wear and tear as a result of pothole damage to be covered.
• If you live in an area where there are an abundance of potholes, you may want to call your auto insurance carrier to make sure you will receive coverage. You can also call your city to request that the potholes be repaired before any damage occurs.

Serving Redlands, Beaumont, Banning, Calimesa, and all of California, contact Little & Sons Insurance Group for all of your auto insurance needs. When it comes to pothole damage and auto insurance, it is important that you work with an agency that knows your particular situation and goes above and beyond on your behalf.