Some road hazards can jump out of nowhere and are completely unavoidable. Unfortunately, when Muskegon, MI roads have those unexpected hazards, accidents can occur with vehicle damage and injuries. Determining if your auto insurance covers damage to your vehicle from a road hazard depends significantly upon your insurance coverage, what the object was, where it came from, and the damage caused.
Learn more about insurance coverage options by calling the agents at Janis-Shunta Insurance.
Comprehensive and Collision coverage
Those who carry comprehensive and collision coverage in their auto insurance policy have coverage should their vehicle get damaged. However, all expenses get paid out after the applicable deductible is subtracted from repair and replacement costs.
Objects Lying on the Road
Sometimes objects fall off trucks or blow into the road. When this happens, they can cause unavoidable accidents with drivers who cannot swerve out of the way or do not see the object in time to stop. When striking an object lying on the road, the driver that struck the object is responsible for paying for the damages and filing an insurance claim. However, if the owner of the fallen thing is identifiable, they may be responsible for the damage caused to the vehicle.
Flying Objects
An object moving at the time of the accident is considered a flying object. Therefore, the damage is covered under your comprehensive car coverage in your auto insurance policy. Flying objects can include falling rocks or kicked-up debris. As with objects lying in the road, if the person responsible for the flying object is identified, they would be accountable for the damage. If they cannot be identified, the driver would be responsible for the damage to their vehicle.
Muskegon, MI drivers know there is a risk of encountering road hazards while out driving. To learn more about road hazards and insurance coverage, call the experts at Janis-Shunta Insurance today.