Pothole

[sirenoftherocks]

Hey there ladies and gents, hope y’all are having a great and hopefully can help me as well. Recently I drove over a pothole causing damages to my vehicle and now they’re claiming that it’s a collision. I was under the impression it would be comprehensive as I didn’t technically hit any objects other than the road. Correct if wrong and thank you in advance . I don’t have any accidents so I’d rather not have a collision related incident on my history.

 

[mlshelton1975]

@sirenoftherocks

I don’t have any accidents so I’d rather not have a collision related incident on my history.

Well, you have one now.

 

[nilsa]

@mlshelton1975

 

[saphlin]

@sirenoftherocks Definitely collision. You collided with the ground.

 

[resjudicata]

@sirenoftherocks You hit a pothole. This will likely be a collision claim.

 

[thewordiswisdom]

@sirenoftherocks Comprehensive is for acts of nature, not colliding with a hole on the pavement.

 

[rocky24]

@thewordiswisdom Comp is way more than acts of nature. But yes, this is collision.

 

[thewordiswisdom]

@rocky24 Of course it is but those other things it covers don't involve your car hitting or being hit.

 

[rocky24]

@sirenoftherocks Hitting a pothole is hitting a stationary object. At fault collision loss all day.

 

[mac101263]

@rocky24 My carrier actually files these as non-fault collision. Kinda surprises me, but I’m not gonna be the one to argue against it.

 

[guilhermesilva]

@mac101263 you just have a good company. potholes should not be the drivers fault. i just poped my tire avoiding one hole to hit another. like WTF. im going after the state.

 

[james_1991]

@sirenoftherocks It’s a collision claim. Comp is animal, weather, theft, vandalism

 

[t_figoc]

@james_1991 Dont forget fire

 

[davelew86]

@t_figoc Frankenstein say "Fire bad!"

 

[ctheatheist]

@sirenoftherocks It's an at fault accident, as you collided with a pot hole.

Same thing if you swerve to miss a car/animal in the road and you hit a fence. I don't ever want anyone to intentionally hit an animal, but a little fur on the bumper makes it a lot less your fault than plowing into a fence when you swerve.

 

[youthpastorbrett]

@ctheatheist . I’ve used your example almost verbatim so many times when I was adjusting auto claims.

 

[katautumn]

@sirenoftherocks I recall a man who got a bent rim in detroit and was reimbursed by the city, but it took forever. And this was years ago.

It's the government's job to create safe roads, tho. I'd call the road commission.

 

[rocky24]

@katautumn It's also the driver's job to avoid perils that are in the road. It is exceptionally rare for municipalities to reimburse for this.

 

[davelew86]

@rocky24 Depends on the municipality. Large cities in the Upper Midwest generally do - I know for sure that Chicago and Detroit do, and I've heard that parts of the Minneapolis area do as well.

 

[simonscion]

@sirenoftherocks Everyone said everything already but just to reinforce…this is a collision. You now have an at fault accident.