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That depends how you are defining road hazards. If you are referring to objects in the road, you are covered if you run over them or if they kick up from the road and hit your vehicle.
Collision claims typically have a higher deductible than a comprehensive claim. Glass breakage is often covered with no out of pocket cost.
Agent, Rural Mutual Insurance Co., Union Grove, WI
Typically your auto insurance would not cover common road hazards, such as a nail in your tire without having an endorsement on your policy for mechanical breakdown or similar coverage. If you have full coverage on your vehicle then other than collision (comprehensive) coverage may provide some coverage less the policy deductible in the event of a rock hitting your windshield or such. Remember every policy is different. Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you.
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Collision claims typically have a higher deductible than a comprehensive claim. Glass breakage is often covered with no out of pocket cost.