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#10: 01-25-2013, 12:19 PM
 
 MN3.6R
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Its how it is. I currently am an Allstate agent and have been in insurance for 5 years. Colorado and Minnesota. Every state may be different, but it goes for potholes and such, I would have to assume this would fall under the same category. It's unfortunate but pretty much anything that is not done by animals, mother nature, fire, theft and vandalism is going to be your fault. If you have an actually agent for your insurance I would call and ask them, if you have one of the 1800-insurance type companies, once you call and ask them if something would be your fault they will make a note and it will be on your file if you ever switch companys, it will show as a claim that was never paid.