Yes, auto insurance does cover damage done from road debris. There are all sorts of objects that you can hit on the road while you’re driving. Depending on what you hit, the damage done can be extremely severe or it can be minimal. You will either have to put the insurance through as a collision claim or a comprehensive claim if you want to make a claim. It is important to know the differences between these two types of claims so that you know what to do if you hit something.

Collision claim

collision

If you happen to hit something that is lying on top of the road and it does damage to your vehicle, you’re likely going to have to place a collision claim. It doesn’t really matter what you hit. You can hit something as small as a rock or as large as a mattress. Hitting anything on the road is considered to be an at fault claim. Insurance companies deem anything you hit on the road as avoidable. This essentially means that you if you hit something and want to make a claim, your insurance rates could rise. before claiming something, you should always consider the future costs of your claim.

Comprehensive claim

If something flew out of nowhere and hit your vehicle, you’re likely going to have to make a comprehensive claim. Flying debris is considered to be “unavoidable” by insurance companies. This means that if you hit flying debris, you aren’t at fault. The nice thing about this is that you’re likely going to have a lower deductible when making a claim. Another great thing about comprehensive claims is that they normally don’t increase your insurance premium. The only way that you will likely have your insurance rates increase, is if you file more than a few claims over a short period of time. It is only at this point; an insurance company might see you as a higher risk person to sell insurance to.

Deductible

One of the main things that you’re going to want to consider before making an insurance claim is the insurance deductible. You need to make sure that the cost of repairs is going to be more than a deductible. If it isn’t, there is no point in getting your car fixed through insurance. All that will do, is increase your insurance premium and give the insurance company even more of your money. If there is serious damage, you might want to get someone to evaluate the damage for you, before deciding if you should make a claim.

Should I claim a windshield?

windshield

If you happen to hit flying debris or something on the road and your windshield smashes, it can be hard deciding whether to make a claim or not. If you must fully replace your windshield, it can be costly. Some insurance companies offer insurance policies specifically for windshields. Under these policies, it is unlikely that your insurance premium will rise tremendously after making an insurance claim. If this is the case for you, you might want to consider making a claim. However, if you must make a claim through collision or comprehensive insurance, you might not want to. This is because you are going to have to pay a deductible to make a claim. The deductible will likely cost close to the price of your windshield, in which case, it is likely not worth it.

Road debris accidents

If you happen to come across road debris that causes you to get into an accident with another vehicle, you’re then going to have to make a collision claim. Even though hitting the road debris may have originally been a comprehensive claim, you’re still going to have to make a collision claim. This isn’t necessarily ideal as a collision claim is going to affect your insurance premium. However, to make sure that both drivers are covered in a collision, a collision insurance claim must be filed.This is simply as a result of the liability coverage that is tacked onto collision claims. If you are sued, you want to make sure your insurance company will cover you.

Should I file an insurance claim?

Depending on how much damage is done to your vehicle, you may or may not want to file a claim.  It is important to keep in mind that all insurance claims do have deductibles on them. It also is a good idea to keep in mind what your previous driving history is. The worse your driving history is, the greater the chance your insurance premium will increase after making a claim. If you have any other claims on your insurance, you also might end up paying a lot more for your insurance premium. It is extremely important to make sure that the damage done to your vehicle is at least higher than the cost of your deductible. If you don’t, you are essentially throwing away money and raising your insurance premium at the same time.

How much will my insurance rise after making a claim?

increase

The answer to this question really depends on the type of claim that you make. If you total your vehicle after hitting an object on the road, you can expect a substantial increase in your premium. However, if you are hit by flying debris and total your vehicle, you shouldn’t have much of an increase or any increase in your premium. The amount your insurance will rise really depends on if you are at fault for the accident. It is important to keep in mind that if you have multiple claims on your history, your insurance company might not renew your policy once it is up.

To Conclude

Although it sucks when any damages occur with your car, it is important to know what to do when it happens. Road debris is something that can be extremely difficult to avoid. Unfortunately, insurance companies will not give you compensation unless you are completely not at fault for hitting whatever it is that you hit. The important thing is, you now know the type of accident that you have to be in, in order to make a claim. This will allow you to be able to get your claim in motion as fast as possible so that you can receive compensation and move on.