Is Hitting Road Debris Covered Under Comprehensive Car Insurance?

Keep reading to understand when and how car damage from road debris is covered by auto insurance.

Yes, your car insurance should cover car damage from road debris. Your comprehensive auto insurance should cover you when a flying object hits your car. If you run over something in the road, your collision coverage will likely cover the damage. Deductibles apply in both cases, so the damage must be greater than your deductible.

Most drivers have full vehicle coverage, typically consisting of at least collision and comprehensive coverage. Collision coverage financially protects your car in an accident, whether at fault or not, and covers single car accidents if you crash on your own.

Hitting road debris lying on the road would be covered under collision coverage, especially if the debris causes you to swerve and collide with a tree, telephone pole, or guard rail. 

Comprehensive coverage covers the value of your vehicle if it’s damaged by any source other than an accident. For example, comprehensive coverage can reimburse you if you suffer damage from fire, flooding, or theft. Flying objects hitting your car would also fall under this category.

In both cases, you’ll have to pay a deductible for the damage when filing your claim. A car insurance deductible is an amount you vow to pay before your insurance company picks up the rest of the damage. Deductibles are meant to act as a threshold, so people aren’t filing claims for every tiny bit of damage and to prevent fraud.

So, your car damage from road debris would need to exceed your deductible for your insurance company to reimburse you. You may not be eligible if the object just caused a minor nick or scratch. Common auto insurance deductibles are $500 and $1,000.

A cracked windshield may not exceed your deductible, but some auto insurers have specific coverage for windshield repair. This may cover you, so be aware if this is in your policy.

Also, note that having liability coverage only won’t help you after hitting road debris. Liability insurance is the type of car insurance you must have to drive legally. It only covers damage you can cause to other people, not damage you may suffer. 

Getting more than your state’s minimum mandated amount of insurance is usually recommended, and you must have full coverage if you’ve leased or financed your car.

Unfortunately, many insurers consider hitting road debris an at-fault accident if the object was lying in the road. If a flying object hits your car, though, you may not be at fault. It varies by company, so you’ll need to ask your provider.

Many insurance companies may take the tough stance and believe that an object lying on the road was avoidable and may hold you at fault for running into it. This may vary by carrier, so you’ll need to check with your provider when filing the claim. Some companies may also have exceptions. 

And, if you have been claims-free for a while, many carriers forgive a single at-fault accident, especially a relatively minor one like hitting debris on the freeway.

Whether you’re at fault or not is important because at-fault car insurance claims can raise your rates. Auto insurers believe that drivers with at-fault incidents are more likely to cause another issue than someone with a clean driving record who has never filed a claim.

Thus, insurance companies tend to charge drivers with at-fault accidents higher premiums to offset the increased potential for a claim. Know that collision and comprehensive coverage will kick in whether you’re at fault or not. 

And, collision claims are more likely to raise your rates than comprehensive ones. This is because you can be at fault in a collision claim, not not for comprehensive claims.

There are some steps you can take to file a successful road debris insurance claim, and there are some things you can do to avoid hitting road debris in the first place.

They may sound simple, but there are also some steps you can take to avoid hitting objects and filing road debris insurance claims in the first place.