Road debris on a roadway such as foreign objects, rocks and tree branches on often causes damage when your car strikes or runs over it and can take a wallop out of your wallet, too. Generally, though, the expense will be lessened if you have comprehensive coverage in your auto policy.
Covering the Unexpected
Comprehensive coverage covers damage to your vehicle caused by something other than an accident. This includes such things as theft, vandalism, natural disaster, fire, hitting an animal, and in many cases, road debris. However, not all policies are the same and the types of damage covered can vary between insurance companies. Nonetheless, insurance carriers routinely cover damages caused by falling objects, such as tree branches and other debris.
Although a comprehensive policy may include debris within the damages covered, it may be difficult to receive payment on a submitted claim. An insurance carrier may dispute the claim under the guise of not being able to identify who is at fault, according to Insurance Swami. This is particularly difficult with road debris since objects can remain on a roadway hours or days after falling from a vehicle, nearby trees or mountainous area. Therefore, it's always best to shop around when choosing a policy and ask about the claim process and requirements for unique claims such as those involving road debris.
Style Your World With Color
Let your clothes speak for themselves with this powerhouse hue.View Article
Understand how color and its visual effects can be applied to your closet.View Article
Barack Obama's signature color may bring presidential power to your wardrobe.View Article
See how the colors in your closet help determine your mood.View Article
- Photos.com/Photos.com/Getty Images