Collision insurance is different from comprehensive insurance, which is also an optional coverage. Comprehensive coverage reimburses drivers for theft, vandalism, flooding and damage from fallen objects, such as trees.
A driver who hits another car, or a pedestrian, due to a pothole also will be covered by liability insurance, which is required to drive legally in every U.S. state except New Hampshire. Liability coverage applies to injuries that you, the policyholder or designated driver, cause to someone else.
Facts and Figures
For information on what the typical American policyholder spends on auto insurance, see our Facts & Statistics: Auto Insurance.
Source: Insurance Information Institute, “Does My Auto Insurance Cover Damage Caused By Potholes?” iihs.org website. Accessed June 2, 2014. http://www.iii.org/articles/does-my-auto-insurance-cover-damage-caused-by-potholes.html
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