Does car insurance cover road debris?

Auto insurance covers damage from road debris through collision and comprehensive car insurance. When you add collision and comprehensive coverage, your policy becomes full coverage. On average, full coverage car insurance is about $90/mo, but it varies for each person. Shop around and compare multiple companies to secure car insurance that covers damage from road debris.

Are you looking for free insurance quotes?

secured lock Secured with SHA-256 Encryption

D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

Full Bio →

Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Dec 14, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

The Highlights

  • Collision and comprehensive insurance can cover the cost of  damage from road debris
  • Comprehensive coverage is cheaper than collision coverage
  • You’ll have to pay a deductible to start the claims process
  • Collision and comprehensive coverage may be required in some cases

Car damage from road debris can be complicated if you don’t have the right car insurance coverage. But don’t worry — we’re here to help.

Our guide explains everything you need to know about how car insurance covers road debris. Also, we’ll list the best insurance companies that provide the coverage you need.

Once you learn everything you need to know about how car insurance covers damage from road debris, enter your ZIP code in the free comparison tool above to compare multiple companies in your area.

Does car insurance cover road debris?

The short answer is yes. However, coverage depends on the specifics of the claim. For example, you’ll need to file a collision coverage claim if you run into road debris and damage your car.

If road debris is flying toward your vehicle and hits your car, you may have to file a comprehensive insurance claim.

Liability insurance does not cover damage from road debris. Also, collision and comprehensive coverage don’t provide bodily injury coverage.

Is hitting road debris covered under comprehensive car insurance?

The answer is no. Comprehensive coverage only pays for accidental damage that doesn’t involve a collision.

Who is responsible for road debris damage?

If you run into road debris, you are responsible for the damage. However, collision car insurance can help you get your car repaired without any out-of-pocket costs regardless of fault.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

secured lock Secured with SHA-256 Encryption

Do I have to pay a deductible to receive a car insurance claim?

If you have collision or comprehensive insurance, you’ll have a deductible. A deductible is the amount of money you pay before your auto insurance company pays for any property damage from a claim.

Deductible amounts vary for each company, but the most common amounts are $500, $1,000, and $1,500. You can lower your car insurance rates by choosing a higher deductible, but remember, this is the amount you will have to pay before insurance covers your repairs.

Some auto insurance companies have a vanishing deductible, which gives you $100 off your deductible for each year that you don’t file a claim. However, there’s a limit to how much your car insurance company will give you.

A deductible account allows you to pay your monthly payments and deposit money into an account to cover a deductible at a later date.

When should I file a car insurance claim after road debris damages my car?

Any significant damage to your vehicle should be reported immediately. But, some damage is so minor that the cost of repairs is smaller than your deductible.

If the estimated damage is lower than the auto insurance deductible, it’s not worth making a claim. Also, you don’t want to file a claim at such a small cost because it could increase your overall car insurance rates.

How much is car insurance?

According to the National Association of Insurance Commissioners (NAIC), the average monthly car insurance rate for full coverage is about $90 per month.

However, car insurance rates vary by age, gender, company, marital status, credit history, and driving record.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

secured lock Secured with SHA-256 Encryption

Three Tips on How to Protect Yourself from Road Debris

Avoiding road debris isn’t as easy as it looks. Sometimes you don’t see it as you’re driving, even during the day. If you manage to spot road debris, here are three ways to reduce damage.

  • Don’t swerve to avoid road debris
  • Change lanes if possible
  • Reduce your speed

Swerving can cause more damage, especially if other cars are on the road. When there’s a chance to change lanes, move to one of the available lanes carefully.

Finally, you should slow down if you can’t get out of the way. Hard-braking is the last resort. Do everything you can to avoid hard-braking.

Car Insurance Companies that Cover Damage from Road Debris

Most auto insurance companies offer collision and comprehensive coverage that will pay for damage from road debris, as discussed above. If you’re not sure which companies to compare, start with the best car insurance companies.

Here’s a list of the best auto insurance companies in 2021.

  • Allstate
  • USAA
  • Travelers
  • State Farm
  • Nationwide
  • Farmers
  • Liberty Mutual
  • Progressive
  • American Family

These companies have the largest market share in the United States. If you want to try a smaller company, shop around until you find something that meets your needs.

Car Insurance Covers Road Debris: What’s the bottom line?

If you want car insurance to cover the cost of damage from road debris, buy full coverage car insurance. This ensures that you get coverage for any situation where road debris damages your car.

Now that you know how car insurance covers damage from road debris, use our free online quote tool below and compare car insurance companies near you.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

secured lock Secured with SHA-256 Encryption