It’s a problem in many areas. Large potholes impede your way and you end up hitting them. A pothole does not have to be large to cause a great deal of damage to a vehicle. Potholes can damage wheels and tires. They can also damage the structural integrity of the vehicle by damaging the frame.
When significant damage happens, you may want to turn to your auto insurance provider. You can learn more about how your insurance can help you overcome these losses from potholes.
How Much Damage Is Present?
Most often, the damage from a pothole is very minor. When this is the case, it does not make much of a difference whether or not you turn to your car insurance for the claim. If your claim is under the value of your auto insurance deductible, it may not be worth filing. However, if the damage is higher than this, it may be well worth it.
You may need to get a basic estimate for repair from your mechanic before pursuing a claim. You should predetermine the benefits of filing an insurance claim for pothole damage.
What Type of Insurance Do You Have?
Usually, collision insurance is necessary to cover the losses from potholes. That is, if your insurance has collision coverage, it is likely that insurance will help you to make repairs. Not all people have this type of coverage, though. Read the terms of your policy to learn more about the amount of coverage you have.
If you have a significant amount of damage, filing a collision claim does not have to be hard to do. However, some policies will limit the types of damage they will cover. For example, if potholes only damage the tires, your policy may not offer coverage for that loss.
When you have significant damage to your vehicle, it is best to turn to your auto insurance company. Filing a claim for this type of coverage can help you to get your vehicle back on the road. Don’t put off getting those repairs because the costs are a concern. Instead, contact your agent first.
If you have questions, always feel free to call The Weimer Group at (215) 257-9171. We can guide you on what your policy covers, and we are happy to provide online resources for getting Perkasie car insurance coverage.