Can an insurance company cover damages caused by a pothole.
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UPDATED: Feb 12, 2013
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Insurance Question from Harrison Township, MI
Asked on 02/12/2013
Can an insurance company cover damages caused by a pothole. i drove into my apt complex and drove in a big pothole that i didn't see due the time of the day and rain. The damage the pothole caused is to the bottom of my car costing me $700 to get it fixed. Would The insurance company cover this?
Answer given on February 12, 2013
If you have an auto accident involving a pothole, your auto insurance would cover this damage under the collision portion of your auto insurance. Your deductible will apply and if the insurance company pays over a certain amount your rates could be increased.Review your insurance policy to see what your deductible is. If you have a $500 deductible, you will only get $200 from the insurance company. If they would increase your rates due to the accident, you may not want to file a claim with your insurance company.If the pothole is in your apartment complex parking lot you should see if the apartment company will pay for your damages. You can claim they are responsible to maintain the parking lot to prevent damages to your car. If they refuse, see if they will pay your deductible. If you file a claim with your insurance company, they may try to subrogate against the apartment complex, and that may be a better way to go by letting your insurance company go after the apartment complex. If they are succdessful, you could get your deductible back.
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