Insurance Coverage for Vehicle Damage from Road Construction

Navigating through road construction zones is a common experience for many drivers. Unfortunately, these areas can cause vehicle damage from loose gravel, potholes or other hazards. Understanding how your auto insurance can address these situations is essential for managing potential repair costs.

Comprehensive Coverage and Road Construction Damage

Comprehensive coverage can be particularly relevant when dealing with damage from road construction. This coverage typically addresses noncollision-related incidents, such as damage from falling objects, vandalism or natural disasters. Comprehensive coverage can help with repairs if your vehicle is damaged by loose gravel, debris or other hazards commonly found in construction zones.

For example, if a piece of construction equipment accidentally drops debris onto your car, causing significant damage, comprehensive coverage can assist with the repair costs.

Collision Coverage and Construction Zone Accidents

While comprehensive coverage addresses noncollision incidents, collision coverage is designed to handle damage resulting from accidents. If you are involved in an accident within a construction zone, such as colliding with a barrier or another vehicle, collision coverage can help cover the repair costs.

Construction zones often have altered traffic patterns, narrow lanes and unexpected obstacles, increasing the likelihood of accidents.

Making a Claim

If your vehicle is damaged in a construction zone, the first step is to document the damage and the circumstances surrounding the incident. Take photos of the damage, the construction area and relevant signage. This documentation can be valuable when filing a claim with your insurance company.

Contact your insurance provider as soon as possible to report the damage and initiate the claims process. Provide them with all necessary information, including the documentation you gathered.

Learn More

Contact Associated Insurance to understand how your auto insurance may help cover damage from road construction.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.