Potholes can cause severe damage to vehicles. The repair costs can add up fast from bent rims, flat tires and suspension damage. That’s why it’s important to understand how insurance companies handle pothole damage claims.

Types of Coverage

Pothole damage is typically covered under collision coverage, which can pay for repairs when your vehicle hits an object like a pothole. In contrast, comprehensive coverage applies to non-collision events such as theft or weather damage and usually does not cover pothole-related repairs. So, if you want to file a claim for pothole damage, you’ll need collision coverage on your policy.

Filing a Claim

Documentation is key when filing a claim for pothole damage. Insurers require clear evidence that the damage resulted from hitting a pothole. Photographs of the damage, potholes and the surrounding road conditions are essential.

A repair estimate from a certified mechanic can help substantiate the claim. Insurers assess whether the damage is consistent with a collision event.

Deductibles and Costs

Collision coverage usually comes with a deductible. If the repair costs are lower than the deductible, filing a claim may not be beneficial. However, for extensive damage, using collision coverage can be worthwhile. Review your policy and understand the costs involved before filing a claim.

Insurance Provider Near You

For residents of Dublin, Ohio, ProtectALL Insurance can offer reliable solutions for all your insurance needs. As an independent agency, we provide personalized service and customized coverage options to help you manage unexpected expenses. Whether you’re dealing with pothole damage or other incidents, we’re here to guide you through the claims process. Get in touch with us today to learn how we can help.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.