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Does Car Insurance Cover Road Debris?

Road debris is a leading cause of accidents. However, does car insurance cover road debris? Let’s find out.
road debris
Does Car Insurance Cover Road Debris?
Road debris includes construction materials, furniture, and broken auto parts that become loose during transit. This blog attempts to answer the question: Does car insurance cover road debris?
In this article

About 50,000 car accidents occur every year because of road debris. The number of accidents reported to the police is only a tiny fraction of the collisions caused by road debris. Let us learn more about road debris and answer the question: Does car insurance cover road debris?

Does car insurance cover road debris?

Yes, car insurance covers road debris damages within comprehensive insurance policies. Comprehensive claims pay for damages due to road debris, bad weather, or vandalism. 

What should you do if your car is damaged by road debris?

You can get information about repairing your car if it is damaged by road debris by contacting the person responsible. You should follow some steps if the car is damaged. It will ensure that you get the right coverage for your insurance policy. Follow these steps if your car is damaged by road debris:

  • Pull over somewhere safe
  • File a police report
  • Contact your insurance agent

What types of road debris damage are covered by insurance?

Your car insurance policy may cover road debris damage, depending on your policy. When road debris damages your vehicle, comprehensive coverage protects you from paying the total cost of repairs. In most cases, it will pay for damage caused by events other than vehicles, such as hitting a deer, having a falling tree branch hit your car, or even vandalism.

A comparison of car insurance quotes on Beem can help you get the best deal for your budget and provide the coverage you need in case of an accident. 

Is road debris damage covered by my car insurance?

Yes, your car insurance covers car damage caused by road debris. Your comprehensive auto insurance should cover you if a flying object hits you. But your collision insurance will likely cover the damage if you run over something on the road. 

Does liability insurance cover damage from road debris?

A liability policy pays for a person’s expenses if they are injured as a result of your negligence. But as damage due to debris is not your fault, it is not covered by liability insurance.

Who is responsible for road debris damage?

In most cases, locating the person responsible for road debris is almost impossible. Hence, it is better to have coverage against such damages, or you will pay for damages out of your pocket, which is too expensive.

Conclusion

Road debris is a leading cause of accidents. Road debris includes construction materials, furniture, and broken auto parts that become loose during transit. Does car insurance cover road debris? A comprehensive insurance policy covers you in case you hit road debris. It’s best to shop around for quotes before purchasing comprehensive car insurance.

Remember, you can use Beem to find the best insurance quotes to help you make the right choice. Auto insurance with Beem covers damage to your vehicle, other vehicles or property, and injuries to yourself or others. 

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Author

Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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