How to File a Claim When Bad Roads Damage Your Car
Find out if you’re getting ripped off on your car insurance in less than two minutes.
No long forms · No spam · No fees
There are a lot of different ways that a vehicle can be damaged. Accidents are obviously the most common way for a car to be damaged, but there are numerous other ways that damage can occur, from falling trees to vandalism. One of the most frustrating ways to have your car wrecked is by a bad road. If a road hasn’t been properly maintained, a lot of harm can occur to your car. Whether it’s an enormous pothole, or a dangerous object on the road, it’s easy to have a poor road hurt your car.
Unfortunately, it’s not too easy to be compensated for damage that a poorly maintained road caused to your vehicle. It is, however, possible, and the process is fairly straightforward. So if you have a good case that a road damaged your vehicle, you can file a claim. In this article, Step 1 tells you how to decide if you were at fault, Step 2 recommends calling your insurance company, Step 3 explains why you should document the damage, and Step 4 tells you how to file a claim.
Part 1 of 1: How to file a claim when your car has been damaged by a poorly maintained road
Step 1: Determine if you’re at fault: Determine whether the damage is truly the fault of the road conditions.
A lot of vehicle damage can be the result of the road, without being the fault of the road. In other words, if you drive over a speed bump at 55 miles per hour, the road may be doing the damage, but you’re at fault.
You won’t win a bad roads claim unless a poorly maintained road is fully at fault. Before filing a claim, determine whether or not the road is fully at fault, or whether reckless driving on your behalf is partially to blame.
Step 2: Call your insurance company: Contact your car insurance company and see if they can help.
In most cases, auto insurance companies cannot help you out if a bad road damaged your vehicle. You usually have to file a claim with the government, rather than with your auto insurance provider. That said, some car insurance companies will cover road-caused damage as part of comprehensive coverage. Contact your car insurance company to see if they will.
Step 3: Document the damage: Document the damage and the road.
Before filing a claim, you need to document your case. Start by documenting the damage to your vehicle by taking pictures of every part of the car that has been damaged by the road.
Then, go to the road where the damage occurred and document any signs of the poorly maintained road. Ideally, you should take pictures of the road immediately after such damage; however, if you can return to the scene of the damage and get documentation, that will work, too.
After documenting the damage and the road, contact any potential witnesses, such as passengers in your vehicle, or other people who constantly drive on the road, and can attest to the poor conditions.
Step 4: File a claim: Contact the commissioner’s office and file a claim.
In order to file a claim, you’ll have to contact the commissioner’s office for the county that the damage occurred in. If you simply try to file a claim with a government department, your claim will be dismissed. Instead, call or visit the commissioner’s office, and tell them you would like to file a claim for damage caused by negligence and poorly maintained roads. They will tell you what the process is for filing the claim.
After you’ve filed a claim, all you can do is cross your fingers and hope the claim is accepted. In the meantime, avoid the road that caused the damage, and get your vehicle repaired if any serious damage was done.