Monday, February 17, 2014

Do You Have Pot Hole Insurance?

Did you know that  there are approximately  500,000 insurance claims for pot  hole damage  a year? 

Pothole damage to your vehicle can easily be extensive. Damage to the vehicle’s tires, hub caps, struts, and alignment can quickly add up leaving some drivers with repairs up to a thousand dollars or more.

A pothole damage claim is a  single car accident, which is filed as an  at fault  accident by your insurance carrier. Hitting a pot hole is considered a  collision. Your collision deductible will apply, and your rates could go up at your next  renewal  due to filing a claim.   Sometimes the damage sustained is a lower dollar amount than your deductible, which would make filing a claim irrelevant.

Do You Really Want to File A Claim?

Do a little research to see if the road commission in your area pays for pothole damage to vehicles. First determine if the road is a city, county, or state road. Depending on the area you live in, it is possible to get reimbursement. Of course it can be a lengthy process, so be prepared to pay the cost upfront.

Tips for city, county, or state pothole damage reimbursement:

  • Take a photo of the pothole
  • Note the date and time of accident
  • Get a two estimates

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