Do insurance carriers cover pothole damage?
"Can I submit a claim for pothole damage if I have full coverage on my car?"
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Answered on Jul 27, 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.
“If you hit a pothole that caused damage to your vehicle, it typically would be covered under your collision insurance, minus your deductible.
You should find out how much repairs will cost before you decide to submit a claim to your insurance. If the repairs are going to be significantly more than your deductible, it may be worth submitting a claim.
However, if it’s under the cost of your deductible, you won’t be able to submit a claim at all. Insurance companies require that you pay your deductible before they provide coverage for any claim.
Even if it’s slightly more expensive than your deductible, it may not be worth submitting a claim due to possible rate increases. If you can easily afford to repair your vehicle out of pocket, you may save yourself some money in the future. If you do file a claim and want to shop for cheaper rates, using an online comparison tool like Jerry makes the process easy.”
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