Does your auto insurance cover a road closure? Whether you are detoured due to weather, construction, or an accident, the answer depends on why you need coverage and which parts of your policy apply. Liability coverage does not pay for a road closure itself. Comprehensive coverage may help when a closure leads to a covered event like a flood or falling object. Collision coverage may apply if you crash while navigating a changed route. This guide explains the key details, common exclusions, and practical options when a road is closed.
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