Sinkhole Swallows Road- Is Your Car Insurance Ready for the Unexpected?
Earlier this week, a massive sinkhole opened up on the westbound side of Route 80 near Mine Hill, NJ—swallowing part of the roadway and causing major traffic delays.
Fortunately, no one was injured, but for drivers in Morris County and beyond, it’s a stark reminder that the road can be full of surprises.
New Jersey is known for its aging infrastructure. With older roads, deteriorating bridges, and constant traffic congestion, events like this are becoming more common—and more dangerous. If you travel these roads daily, you might be wondering:
“Would my car insurance cover me if this happened to me?”
Here’s what you need to know:
➡️ Coverage could fall under comprehensive or collision depending on the details of the incident.
If you’re driving and the ground suddenly gives way beneath you, the damage would typically be covered under comprehensive coverage.
If the sinkhole has already formed and you drive into it—hitting the edge or a portion of it—then it would likely fall under your collision coverage.
➡️ Without these coverages, you could be paying out of pocket for damage caused by natural events, falling debris, flooding, or vandalism.
Even if you’re not the one who ends up in a sinkhole, increased traffic and detours can lead to more accidents—and that’s when having proper collision coverage and roadside assistance can really come in handy.
Now is a great time to review your policy:
Do you have comprehensive and collision coverage?
Do you have roadside assistance?
What’s your deductible?
Do you have rental reimbursement if your car is in the shop?
These are all important details to know—because whether it’s a hole in the road or a traffic-related accident, being prepared makes all the difference.
If you’re not sure, we’re happy to take a look for you. We can’t control what happens beneath the road, but we can control how prepared we are.
Give BIS Improved Insurance Agency a call to review your policy—let’s make sure you’re protected from whatever’s lurking under the surface.
📞 973-683-1000
🌐 www.bisrm.com/contactus
