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A pothole can appear without warning, and hitting one can cause more than an uncomfortable jolt. Damage to a tire, wheel, suspension, or other vehicle components may leave you facing an unexpected repair. Knowing how your Memphis, TN auto insurance may respond can help you take the right steps after an incident.
When Auto Insurance May Apply
In Tennessee, collision coverage may apply to damage caused by hitting an object or even a pothole. Whether your policy will cover the damage depends on the coverage you selected, your deductible, and the specific terms and exclusions in your policy. Tennessee’s Department of Commerce and Insurance identifies collision as protection for vehicle damage resulting from a collision with another vehicle or object.
What to Do After Hitting a Pothole
If you hit a pothole, safely pull over and inspect your vehicle when possible. Take photographs of any visible damage and document the pothole’s location. If your vehicle is unsafe to drive, arrange for appropriate assistance and contact your insurer to discuss the next steps.
Tennessee also provides a process for seeking compensation when a vehicle is damaged by a condition on a state-maintained highway. However, the Tennessee Department of Treasury requires evidence that the state was aware of the dangerous condition and had an opportunity to address it, along with documentation of the incident, location, and repair costs.
Talk With Anthony Lancaster Insurance Inc
A pothole claim can involve questions about your policy, the cause of the damage, and available options. Anthony Lancaster Insurance Inc serves customers in Memphis, TN, and can help you review your auto insurance options and discuss how your policy may respond to pothole damage. Contact us for more information and details about your insurance.
