Road Rage Incidents: Are You Covered If Things Get Out of Hand?

It starts with a honk, a tailgate, or a hasty lane change, and before you know it, a moment of frustration can turn into an aggressive confrontation on the road. Road rage incidents are more common than you might think, and they can lead to serious consequences, from vehicle damage to bodily injury. But if you're caught in the crossfire of an angry driver (or happen to lose your own cool), how does your auto insurance respond?

First, let’s understand the scope of the problem. According to the National Highway Traffic Safety Administration (NHTSA), aggressive driving plays a role in 56% of fatal crashes. And a 2023 AAA Foundation for Traffic Safety survey found that more than 80% of drivers admitted to expressing significant anger, aggression, or road rage behind the wheel at least once in the past year.

When it comes to insurance, your coverage depends heavily on how the incident unfolds and who initiates the aggression. If your car is damaged during a road rage altercation caused by another driver, your comprehensive or collision coverage may help cover the repairs, depending on the specifics of your policy and deductible. If injuries occur, your Personal Injury Protection (PIP) or Medical Payments (MedPay) coverage may step in, especially in no-fault states.

However, it’s important to note that insurance typically does not cover intentional acts. If you instigate an incident and deliberately cause harm or damage, your insurer may deny the claim, leaving you personally liable for expenses or lawsuits.

Legal repercussions aside, the financial fallout of road rage can be long-lasting. Premium hikes, policy non-renewal, or even criminal charges could follow if you're found at fault for an aggressive encounter.

The best defense?

Stay calm, avoid confrontation, and disengage from aggressive drivers. It’s not just the safer choice; it’s the smarter one for your peace of mind and your pocketbook.