If I hit a tire in the road, is that considered a comprehensive claim?

I was driving behind an SUV and didn't have time to swerve out of the way of a tire on the road. Should I claim comprehensive? I didn't have time to see the tire on the highway and had to run over it as best I could. I tried to run over the tire in the middle of my car, but it was blown up and stretching across the whole lane. My right side tires hit the blow up a piece and part of the tire smashed my grill breaking some of the bumper and the fog light. It also did some damage under the carriage too. I now have a damaged bumper, grill fog light and probably tires that need re-balanced and aligned. I've never had a claim on my car before and my deductible is low. Should I claim comprehensive on this incident or will it raise my rates too much pending on how much it is?

Aug 19, 2018 Colombus, OH

Ava Lynch

Aug 19, 2018

This accident would actually be paid out under your collision coverage because you collided with the tire. Because you only damaged your own vehicle in this single-vehicle collision, it would also be considered an at-fault collision claim. What you should think about is the rate increase you will probably receive after filing a claim. On average, an at-fault accident raised premiums by 42%. Because of this, I recommend the following:

  1. Get an estimate for the repairs prior to filing a claim.
  2. On average, an at-fault collision claim raised rates on average of $617 per year. You should think about that rate increase over 3 years as that is how long you will typically be charged.
  3. Compare the $617 (or $1,851 over 3 years) plus your deductible to the out-of-pocket expenses. If it is cheaper to file a claim, file a claim.

Here's what you can expect in terms of premium increases over time following a collision claim.

Year after At-fault Accident
Average Increase
Increase at 6 months
Increase at 12 months
Increase at 3 Years

If you do find it is cheaper to file a claim, here is a good reference guide on what to do and what you can expect. Keep in mind, most insurance companies require you to report any incident involving your vehicle, even if you decide to not file a claim. Sounds like there is quite a bit of damage so I would get estimates for the damages, that way you will have all of the information you need to make an informed decision on whether to file a claim or not. Good luck and if you have any other questions don't hesitate to ask.

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