“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.