This post was contributed by a community member. The views expressed here are the author's own.

Health & Fitness

Does My Auto Insurance Cover Damage Caused By Potholes?

The good news is, yes, pothole damage is usually covered—providing you have collision coverage. Collision coverage, an optional portion of a standard auto insurance policy, covers damage to a car resulting from a collision with an object (e.g., a pothole, lamp post or guard rail), another car or as the result of flipping over. However, it does not cover wear and tear to a car or its tires due to bad road conditions. Collision coverage is generally sold with a deductible—the higher your deductible, the lower your premium. Your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. Collision insurance is different from comprehensive insurance, which is also an optional coverage. Comprehensive coverage reimburses drivers for theft, vandalism, flooding and damage from fallen objects, such as trees. A driver who hits another car, or a pedestrian, due to a pothole also will be covered by liability insurance, which is required to drive legally in every U.S. state except New Hampshire. Liability coverage applies to injuries that you, the policyholder or designated driver, cause to someone else. 

Facts and Figures

Most motorists carry collision coverage on their vehicles. Indeed, 71 percent of U.S. drivers had collision coverage as of 2011, the most recent year for which the National Association of Insurance Commissioners (NAIC) has data. The NAIC found that 76 percent of all drivers had comprehensive coverage in 2011. 

You can call the Baldwin Insurance Agency anytime at (510) 274-9766 with your insurance questions! You can also drop by our office in the Intero Real Estate Building at 3185 Castro Valley Blvd.

CA License #0I17593
We’ve removed the ability to reply as we work to make improvements. Learn more here

The views expressed in this post are the author's own. Want to post on Patch?