Will Progressive cover pothole damage?

Can insurance cover pothole damage? I ran over a pothole the other day and instantly my car started making this crazy sound. I am not sure if I should call the claim department or not.

Answer provided by
Shannon Martin
Answered on Jul 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Potholes can cause a lot of damage to your car if they are big enough. A pothole can:
  • bend or puncture your tires
  • throw the alignment off
  • damage the struts and suspension
Progressive will cover any damage caused to your vehicle from a pothole as long as you have collision coverage.
Even though this would be considered a single-car accident, the claim could impact the rate of your policy.
It would be a good idea to bring your car to a mechanic first and get an estimate of the damage.
If it is a small bill that you can handle yourself, don’t report it as a claim and risk a policy increase. If the repairs are out of your reach, then contact the claims department.”

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