Can reporting damage done to my vehicle from a pothole increase my insurance premium?

I live in San Diego and heard that you can submit a pothole damage claim to the city to be reimbursed. The city is requesting my insurance info, and requiring that I report the damage to my insurance company due to the cost. Will my rate go up if I report this damage to my company?

Answer
“Reporting a claim to your insurance company has the potential to impact your premium. Since you caused the damage to your vehicle, it would also be considered an at-fault claim.
If you have collision coverage, your insurance company may reimburse you for the damage, but that would only be after your deductible.
You should reach out to the city to determine how much they typically pay out for pothole claims. If a standard payout would improve your financial situation, it may be worth reaching out to your insurance company.
If you are able to repair the damage to your vehicle without any stress or financial hardship and want to avoid a premium increase, it may be best to avoid submitting a claim to your city and insurance company. “
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Emily Maracle
Answered on Apr 30, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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