Icy, rainy, and snowy roads in Harrison, AR cause water to seep into cracks, and when drivers drive on those cracks, potholes appear. When your car drives over a pothole, it damages the tire. Instead of paying it yourself, maybe your auto insurance policy can pay.

Does my auto insurance policy cover pothole tire damage?

Your auto insurance policy will cover tire damage caused by potholes because potholes are a covered peril. However, you must have collision coverage in your policy. It’s mandatory for drivers who are financing their vehicle, recommended for driving rentals, and optional for drivers who own their vehicle. Without collision coverage, your carrier will not pay for pothole tire damage. If you don’t have collision in your policy, the team at Foresee General Insurance Agency Inc. will add it. Still, it must be active before or during the pothole tire damage incident to receive coverage, not after.

Does auto insurance cover other tire damage causes?

The collision section of your auto insurance policy covers tire damage caused by crashing into another vehicle or by hitting an immovable object like a street curb, pole, or tree. The comprehensive section covers non-collision tire damage (i.e., slashed tires (vandalism), theft, fire, animal accidents, and some weather events). They are the only sections that cover tire damage, and neither covers wear and tear, small road debris, or flat tires caused by something not covered in your policy. 

Your auto insurance will only cover potholes when you have proper coverage, and the Foresee General Insurance Agency Inc. team wants to help pay for it. Let one of our agents review your policy and deductible for tire damage. We will also look for backup solutions to give you a variety of coverage options that fit your budget and needs. Contact our Harrison, AR office for more information.