Will car insurance cover pothole damage?

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Things to remember...
  • There are many different losses that your car insurance can help you recover from, typically depending on which coverage options you carry
  • Your car insurance can help you recover from pothole damage if you file a claim and carry collision coverage
  • This policy option is usually carried on your policy at the time of the incident, but this coverage will not protect you from normal wear and tear that occurs
  • Remember that you may have a deductible you are responsible for, which is a portion of the loss that you cover

Your car may be damaged by any number of road hazards; potholes are just one of the more common ones that occur.

When your car has been damaged by a pothole, you may be wondering if your car insurance can help you recover from the accident.

It’s important to remember that your policy may offer some coverage, but there are stipulations that you must meet.

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Do you carry collision coverage on your car insurance policy?
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One of the first things you need to take into consideration regarding pothole damage is its coverage option. Your car insurance policy is a collection of coverage options, some of which are required and others that are optional.

If you do not carry the right coverage before a loss occurs, your insurance carrier will not be required to provide any coverage for the event.

When it comes to pothole damage, carrying collision coverage will be the coverage option that comes into play. This coverage protects your vehicle in collision-related events, which includes colliding with a pothole.

If you do not carry this coverage before your car is damaged by a pothole, then you will not be covered if such an event occurs.

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How did the damage to your car occur?

Damages caused to your car during travel can be difficult to pinpoint, but there are some indicators that a pothole could be your culprit. One way your car can be damaged is when it’s too heavy for the road it’s driving on; this is not as common in passenger vehicles.

Poorly maintained roads can be another culprit of pothole damages, as these roads tend to be a pothole-friendly environment.

If you find yourself making contact with a pothole and then discovering damage to your vehicle, make sure to contact your insurance provider to discuss your options.

In some instances, having a vehicle inspection completed may help you determine if there is enough damage to warrant filing a claim.

Third-party service providers can help give you an unbiased review of your car and any potential loss, making them an excellent choice when you and your provider cannot reach an agreement.

What deductible does your collision coverage carry?

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Collision coverage traditionally carries a deductible for any covered loss incident, which is an amount that the policyholder absorbs to reduce the amount the insurance provider is covering.

The deductible is also a way to help gauge if your potential claim is worth involving your insurance carrier or not. If the potential settlement amount does not exceed your deductible, then filing a claim may not be an option.

Insurance carriers often include deductibles for collision coverage due to the cost of collision-related claims, which allows the insurance carrier to offset some of the cost and reduce the amount of money they pay out for claims.

It also helps them keep their focus on claims that require their attention.

When you are purchasing your car insurance, your deductible is often agreed to at that time. It’s important to remember that you can assess your coverage needs as often as necessary, and if your current policy terms or options do not meet your requirements, you can pursue other options.

In this case, speak to your current insurance carrier. They may be able to help you find more friendly policy terms that meet your needs and their risk portfolio.

However, if they are unable to assist you, you can pursue coverage through another carrier. Make sure to speak to them about your concerns, your coverage needs, and any budget constraints.

Your Insurance Policy
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Your car insurance policy exists to help you recover from losses that are unexpected and above what you can manage. Thus, normal wear and tear to your car is not an unexpected loss, but making an impact with a pothole may qualify, as long as it damages your car.

If you believe a pothole damaged your car, then filing a claim may be an option to get your car repaired.

Remember that your car insurance will only provide coverage if you carry the right coverage option, have it in place before the loss, and can determine that your damages are a covered loss.

Many times, collision coverage will carry a deductible for any covered loss, which you may need to pay up front, or it may get deducted from any claim settlement.

If you have questions about how this coverage would work for you, speak to your insurance carrier about your policy terms, coverage options, and how the claim process works.

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