Minimum Essential Coverage (The type of coverage an individual needs to have to meet the individual responsibility requirement under the Affordable Care Act. This includes individual market policies, job-based coverage,...
Welcome to Pothole season!
Potholes are a huge nuisance to drivers these days here in Wisconsin, and especially in the city of Milwaukee. Hitting a pothole and damaging your car is considered a single car accident, which basically means AT FAULT, even though it is almost impossible to safely swerve to avoid them. You can always try to file a damage claim with the local municipality, but most times it is a futile effort, and “You can’t fight City Hall” is usually the end result.
Some new vehicle or tire warranties will cover tire replacement, but if your car is damaged, it is always best to call the Agency right away, so we can help you determine the best course of action in this situation. If filing a claim for damage to your car is the best option, the repair will be subject to your COLLISION deductible. We can advise you what that amount is, and depending on the extent of the damage, if it makes financial sense to file a claim. How it will affect your policy in the future depends on what else on your record. Worst case, your rate on that vehicle involved may go up at the next renewal, and most accident surcharges will stay on your record for 3 years.
Bottom line: Always call the Agency first, whenever possible, NOT the insurance company. We are here to help you navigate through the unfamiliar and sometimes treacherous insurance terrain, so RELAX….WE’VE GOT YOU COVERED!