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Does my auto insurance cover damage from potholes?
I hit a pothole on a street with construction. My steering and alignment now seems very off. Can I use insurance to fix it?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Potholes are the worst! Trying to avoid them in construction zones can be hard, so hitting one happens to the best of us.
If you have
collision insurance
, you can typically submit a claim for pothole damage
. That said, there are a few things to consider before submitting a claim. First, you can get an estimate for the repairs. Let’s say the repair shop estimates it’s $600 worth of damage, but your deductible is $500. It’s probably not worth it to submit a claim to your
car insurance
. You could risk increasing your rates and your insurance would only cover $100 of damage. If you have a lower deductible or the damage costs more, it may be worth submitting a claim, though keep in mind that your insurance rate will increase as well.
Additionally, if the damage is less than your deductible, you’d have to cover the costs out of pocket.
Depending on where the construction zone was, you may be able to submit a claim to your city for damage as well. You can visit your city’s website to determine whether they offer coverage for pothole damage.
If you do submit a claim and your insurance increases, shop around. Insurance rates vary from provider to provider. You may be able to find a lower rate even after you submit a claim.
You can request quotes online or use the
Jerry
app. Jerry collects quotes from up to 50 top providers and delivers the best deals to your phone in minutes for free.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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