Even the most careful drivers will eventually graze or collide with a curb. Because curbs sit low to the ground, they can be struck more easily than many drivers expect.
If you hit a curb, there is no need to panic. Instead, focus on understanding how your auto insurance in Foley, AL may respond. Southern Risk Associates is here to help you navigate your coverage options.
Accidents Involving Curbs
If a curb collision does not cause visible damage to your tire, wheel, suspension, or vehicle body, filing an insurance claim may not be necessary. However, if the impact is forceful and results in dents, bent rims, alignment issues, or other damage, it is considered a legitimate accident.
In some cases, the cost of repairs may fall entirely within your deductible. If repair costs exceed your deductible, your auto insurance policy will typically cover the remaining eligible expenses, depending on your coverage.
In most situations, collision coverage can help pay to repair or replace damaged wheels, tires, or other vehicle components after hitting a curb.
Reporting a Curb Accident
Many drivers hesitate to report minor scrapes, dents, or curb collisions because they worry it may lead to higher insurance rates. While this concern is common, it is not always justified.
It is generally a good practice to report accidents to your insurance provider, even if the damage seems minor. In many cases, a single curb-related claim does not result in a rate increase. Additionally, if property is damaged, your liability coverage may help cover repair costs, even when you are at fault.
Contact Southern Risk Associates Today
If you are shopping for auto insurance and live in or near Foley, AL, Southern Risk Associates can help you find coverage that fits your needs. Call 251-316-6129 today to request your customized auto insurance quote.
