Pothole Damage, is it Covered?

Unfortunately, in NE Ohio, potholes are a way of life on the road, especially during the winter and early spring months. Harsh weather conditions (particularly, freeze and thaw cycles) contribute to increase the likelihood of potholes and severity of the related damage.

Unfortunately, in NE Ohio, potholes are a way of life on the road, especially during the winter and early spring months. Harsh weather conditions (particularly, freeze and thaw cycles) contribute to increase the likelihood of potholes and severity of the related damage.

Damage potholes can cause.

Drivers should consider slowing down before hitting the pothole instead of braking once directly over (or in) the hole. But regardless of such efforts, potholes may still cause damage to your vehicle. Drive over one unexpectedly, and it could:

  • Damage your car’s steering system alignment
  • Wreck shocks and struts
  • Damage the engine or exhaust system
  • Puncture a tire
  • Bend wheel rims

Signs of pothole-related damage can also include loss of control of the car, pulling in one direction, uneven tire wear, low tire pressure, bulges in the sidewalls and dents in the tire rims.

Am I insured for pothole damage?

Fortunately, car insurance will cover the cost of most repairs. But there are several things to keep in mind before making a claim. For starters, the damage only will be covered if you carry collision insurance. Drivers who have collision coverage are covered for damage caused by hitting an object such as a guardrail, a tree, or pothole.

You should check your policy for any exclusions that may preclude you from making such a claim. Collision coverage reimburses damage, minus your deductible, when you collide with another car or object.

If the damage is relatively minor and the cost of repairs is manageable, it may be wise to pay for the repairs out of pocket rather than filing a claim that could boost your premiums.

You should review your coverages yearly with your insurance agent to ensure they are keeping up with your current needs.

The Agent Insurance Services | 330-758-3339

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