PotHoles – Insurance Coverage
PotHoles – Insurance CoverageWhen it comes to potholes and car insurance, there’s good news and bad news.
The good news is, yes, pothole damage is usually covered-providing you have collision coverage.
The bad news: You only get coverage if your claim is higher than your deductible and every claim you file goes on your permanent record.
Pothole damage comes under collision coverage. That’s an optional in the standard auto insurance policy and covers damage to your car that happens when you collide with an object like a pothole (or another car or even a house). It also covers you if you flip your car over. PotHoles – Insurance Coverage
It doesn’t wear and tear to a car or its tires due to bad road conditions.
Check the declarations page of your policy to see what your collision deductible is. That’s the amount the insurance company is going to subtract before paying your claim.
If a pothole causes damage that’s more costly than your deductible, you can file a claim for your repair costs minus your deductible. Your collision coverage will reimburse you for the costs of repairing your car, minus the deductible.
PotHoles – Insurance Coverage
But consider carefully before you file for just a small amount over your deductible. Every claim you make goes into your insurance permanent record, called your CLUE report. Insurance companies use your CLUE report to decide how much to charge you for auto (and homeowners) insurance. PotHoles – Insurance Coverage
About Deborah Laemmerhirt
Let me assist you in finding everything you need to know about buying or selling a home! As the preeminent real estate professional in my community, I am dedicated to providing the finest service available while breaking new ground.
Because the real estate industry is becoming more sophisticated and challenging every day, you need a professional that understands the industry and is positioned to stay ahead of the game.
I go the extra mile to help you achieve your goals. That’s why I constantly research the home, market and estate values so your home is priced effectively from day one. I also make sure the public knows your home is for sale by using innovative marketing techniques to attract potential buyers.
As an Internet-savvy real estate representative in Connecticut, I’ve had the opportunity to help many home buyers find their ideal homes and many sellers obtain top dollar for their homes. Buying or selling a home is one of the largest financial transactions that most people ever undertake, so I will help you through every step of the process. My goal is to make your home selling or buying experience as easy and enjoyable as possible.
My services include:
Explaining the home selling and buying process thoroughly
Diligently selecting homes that meets your criteria
Pricing your home correctly and implementing a unique yet proven marketing plan
Negotiating on your behalf
Tracking the closing process to ensure a smooth transaction
I welcome the opportunity to address any questions you might have about buying, selling or current market conditions. Please call or e-mail me any time, and I will be happy to discuss your next steps in the buying or selling process.
I specialize in both Residential and Commercial Properties.
I also head a Real Estate Group to provide you with expert service and support.
Areas of Expertise
Making transitions in your life is challenging. You may be moving from out of town, a different state, internationally or just next door! Regardless of the distance I am prepared to respond to your unique needs.If you are a BUYER looking to downsize, up-size, want a new construction, desire a condominium, to invest, even if this is your first home, I will design a unique plan to fulfill your needs in a reasonable time frame, with the best negotiated price and the least amount of inconvenience.For my Home Sellers, I have an innovative marketing plan that will leave nothing to chance. Just call, and I would be happy to share the DIFFERENT and SUCCESSFUL TOOLS I utilize on each of my listings.
I have lived in Connecticut for over 35 years. I practice Real Estate in Fairfield County, New Haven County and Litchfield County. This includes, but is not limited to Bethel, Bridgewater, Brookfield, Danbury, Harwinton, Kent, Litchfield, New Fairfield, New Milford, Newtown, Oxford, Ridgefield, Redding, Roxbury, Sherman, Southbury, Warren, Washington, Westport and Wilton.
