Does insurance cover a damaged engine?

"Can I submit a claim to my insurance for hitting a pothole and damaging the engine on my 2008 Toyota 4Runner?"

Answer provided by
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Emily Maracle
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 your vehicle was damaged hitting a pothole, your collision insurance may provide coverage. You’ll want to contact your insurance company. They may have you submit a claim under a single vehicle accident.
If you do submit a claim, you’ll be responsible for paying your deductible before your insurance coverage kicks in.
As your vehicle is older, it may be difficult to verify that the cause of damage to your engine was from a pothole. You’ll want to take photos of the pothole to provide proof for your insurance.
You can contact your city as well. Some cities will pay for the repair costs of damages done by potholes. You may still need to file a claim with your insurance, but the city may reimburse them for some of the repairs.”
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