Damaging or hitting a stop sign or other traffic sign with your car is considered a single-vehicle accident. By law, the person responsible for running into a sign must immediately report it to local authorities or face possible serious consequences. Depending on your coverage, car insurance could help pay for sign replacement costs. Because the sign is publicly owned, the civil protection portion of your liability insurance may cover the replacement cost, depending on the amount of insurance you have.
Filing a claim for an accident in which you are at fault could increase your car insurance rates in the future. Keep reading to learn how to manage car insurance claims after a hurricane or tornado to save time and money, and avoid frustration at a stressful time. When Mother Nature damages your car with a hurricane or other natural disaster, follow these simple steps when working with your auto insurance company. Paying for the repair yourself, especially if the cost is lower than your car insurance deductible, could end up saving you money later on.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. You can only file an auto insurance claim for climate damage if your policy includes comprehensive coverage. The division ensures that payments are made correctly by requiring full reports from employers, insurance companies and doctors, and by carefully examining the evidence.