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Q: Does My Auto Insurance Cover Damage Caused By Potholes?

A:

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.
 
If you have any questions about your Pennsylvania car accident or car insurance, contact one of our attorneys today. If a loved one has been injured or killed in a car accident because of another driver or company who may have been driving while distracted, contact an experienced wrongful death attorney at Schmidt Kramer.

We can answer any questions or concerns you have about a Harrisburg injury car accident in Carlisle, Middletown, Lancaster, Elizabethtown, Hershey, Harrisburg, Lebanon and all of Pennsylvania.

The toll-free number is 888-476-0807 or 717-888-8888 and the case evaluation is free.

Alternatively, you may wish to download a free copy of our book Vital Information For Your Financial Recovery After A Pennsylvania Vehicle Crash for additional information.