Will My Insurance Go Up If I Hit A Pothole

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Will My Insurance Go Up If I Hit a Pothole?

I used to think that car insurance was only for accidents that were someone else’s fault. But then one day, I hit a huge pothole on the highway and blew out my tire. I was able to pull over safely, but I was still worried about how much it would cost to fix my car. I called my insurance company, and to my relief, they said that I would not be charged a deductible for the repairs. I was so relieved! However, I was still curious if my insurance rates would go up in the future. I did some research and found out that there are a few factors that can affect your insurance rates after you file a claim, including the type of claim, the amount of damage, and your driving history.

In most cases, hitting a pothole is considered a “comprehensive claim” rather than a “collision claim.” Comprehensive claims are typically not as expensive for insurance companies to pay out as collision claims, so they are less likely to affect your rates. However, if the damage to your car is severe, your rates may still go up. For example, if you hit a pothole and it causes your car to need major repairs, your insurance company may view this as a sign that you are a high-risk driver and increase your rates accordingly. Additionally, if you have a history of filing claims, your rates may also go up after you file a claim for hitting a pothole.

What to Do If You Hit a Pothole

If you hit a pothole, there are a few things you should do to protect yourself and your car:

  • Pull over to a safe place and check for damage to your car.
  • Call your insurance company to report the claim.
  • Get a copy of the police report, if there was one.
  • Take pictures of the pothole and the damage to your car.
  • Keep all receipts for any repairs you make to your car.

Tips for Avoiding Potholes

There are a few things you can do to avoid hitting potholes:

  • Be aware of your surroundings and look out for potholes.
  • Slow down when you are driving on roads that are in poor condition.
  • Stay in the middle of the lane and avoid driving too close to the sides of the road.
  • If you see a pothole, try to swerve around it.

What to Do If Your Insurance Rates Go Up After You Hit a Pothole

If you have a pothole claim and your insurance rates go up, there are several things you can do to try and get them lowered:

  • Contact your insurance company and ask for a review of your rates.
  • Shop around for a new insurance company.
  • Take a defensive driving course.
  • Ask your insurance company if they offer any discounts for safe drivers.

FAQs

Q: Will my insurance go up if I hit a pothole?

A: In most cases, hitting a pothole will not cause your insurance rates to go up. However, if the damage to your car is severe or you have a history of filing claims, your rates may increase.

Q: What should I do if I hit a pothole?

A: If you hit a pothole, you should pull over to a safe place, check for damage to your car, and call your insurance company to report the claim.

Q: How can I avoid hitting potholes?

A: You can avoid hitting potholes by being aware of your surroundings, slowing down when you are driving on roads that are in poor condition, staying in the middle of the lane, and avoiding driving too close to the sides of the road.

Q: What should I do if my insurance rates go up after I hit a pothole?

A: If your insurance rates go up after you hit a pothole, you can contact your insurance company and ask for a review of your rates, shop around for a new insurance company, take a defensive driving course, or ask your insurance company if they offer any discounts for safe drivers.

Conclusion

Hitting a pothole can be a frustrating experience, but it is important to know that it does not always lead to an increase in your insurance rates. By following the tips in this article, you can help to avoid hitting potholes and protect yourself and your car.

Are you interested in learning more about car insurance? If so, be sure to check out our other blog posts on the topic.

Why Did My Car Insurance Go Up? | Car insurance, Concept, Insurance
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