Pothole damage to your vehicle can easily be extensive. Damage to the vehicle’s tires, hub caps, struts, and alignment can quickly add up leaving some drivers with repairs up to a thousand dollars or more. Filing a pothole damage claim is easy, but whether or not you should is something you should consider.
How a Pothole Damage Claim Works
A pothole damage claim is a single car accident, which is filed as an at-fault accident by your insurance carrier. Hitting a pot hole is considered a collision. Your collision deductible will apply, and your rates could go up at your next renewal due to filing an at-fault claim. Sometimes the damage sustained is a lower dollar amount than your deductible, which would make filing a claim irrelevant.
An Alternative to Filing a Claim
Do a little research to see if the road commission in your area pays for pothole damage to vehicles. First determine if the road is a city, county, or state road. Depending on the area you live in, it is possible to get reimbursement. Of course it can be a lengthy process, so be prepared to pay the cost upfront.
Tips for city, county, or state pothole damage reimbursement:
- Take a photo of the pothole
- Note the date and time of accident
- Get a two estimates