{"id":47754,"date":"2024-08-29T12:19:01","date_gmt":"2024-08-29T16:19:01","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=47754"},"modified":"2025-07-16T10:16:51","modified_gmt":"2025-07-16T14:16:51","slug":"does-car-insurance-cover-pothole-damage","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/does-car-insurance-cover-pothole-damage","title":{"rendered":"Does car insurance cover pothole damage?"},"content":{"rendered":"\n<p>If you live in the Northeast like we do, you\u2019re no stranger to potholes. Potholes can cause all sorts of damage to your car, sometimes requiring expensive repairs. Your car insurance may be able to help cover pothole damage if you carry the right coverage. Here\u2019s what you need to know and how to avoid pothole damage in the future.&nbsp;<\/p>\n\n\n\n<a id=\"back-to-top\"><\/a>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of Contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#cover\">Do car insurance policies cover pothole damage?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#kind\">What kind of damage can a pothole cause?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#avoid\">How to avoid pothole damage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#faq\">FAQ<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#conclusion\">Conclusion<\/a><\/span><\/li><\/div>\n\n\n\n<a id=\"cover\"><h2 style=\"margin-bottom:0px;\">Do car insurance policies cover pothole damage?<\/h2><\/a>\n\n\n\n<p>Your car insurance policy may cover pothole damage if you carry Collision coverage. Collision coverage is an optional coverage that helps pay for damage to your car when it hits another car or stationary object.&nbsp;<\/p>\n\n\n\n<p>When you file a Collision claim, you need to pay your deductible before your insurance will pay. A deductible is your share of the cost for a claim. It\u2019s not the same as a premium, which is what you pay to buy an insurance policy.&nbsp;<\/p>\n\n\n\n<p>For example, say your Collision deductible is $500 and the cost to repair your car in a covered claim is $1,000. In this case, you would pay your deductible of $500 and your insurance will pay the remaining $500.&nbsp;<\/p>\n\n\n\n<p>However, if the cost to repair your car is below your deductible your insurance will not pay for anything. While pothole damage can be severe, the cost to repair the damage may not meet your deductible. It may not be worth filing a claim in this case.&nbsp;<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"kind\"><h2 style=\"margin-bottom:0px;\">What kind of damage can a pothole cause?<\/h2><\/a>\n\n\n\n<p>Potholes can cause all sorts of damage to your car. Here are a few of the most common issues that can happen after hitting a pothole:&nbsp;<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Tire damage<\/strong><\/h3>\n\n\n\n<p>Your tires are the only point of contact between your car and the road, and take the brunt of hitting a pothole. If your tires aren\u2019t properly inflated and in good condition, they will be more susceptible to damage like a blowout. Not only that, but poorly maintained tires will also allow more of the force to travel into your suspension and potentially cause even more damage.&nbsp;<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Wheel damage<\/strong><\/h3>\n\n\n\n<p>Wheels can also be damaged by hitting a pothole. This damage can range from cosmetic scrapes to dents in the structure. Dented wheels can compromise the seal with the tires, causing air leaks or even <a href=\"\/resources\/10-tips-help-prevent-flat-tire\">separation of the tires from the wheel<\/a>.&nbsp;<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Suspension damage<\/strong><\/h3>\n\n\n\n<p>Your car\u2019s suspension is a complex system of components, all of which a pothole can damage. Hitting a pothole can cause significant strain to shock absorbers, control arms, bushings, axles and more.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Alignment issues<\/strong><\/h3>\n\n\n\n<p>Even if the individual suspension components are not damaged, the way they are connected to each other can be knocked out of alignment after hitting a pothole. If you feel like your car is not driving straight when the steering wheel is centered, you may need to fix your alignment.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Steering damage<\/strong><\/h3>\n\n\n\n<p>Damage to your steering system is a severe case of pothole damage. Hitting an exceptionally deep pothole can damage your steering column, which can make operating your car unsafe.&nbsp;<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"avoid\"><h2 style=\"margin-bottom:0px;\">How to avoid pothole damage<\/h2><\/a>\n\n\n\n<p>The best way to take care of pothole damage is to avoid potholes in the first place. Here are just a few safety tips on <a href=\"\/resources\/tips-pothole-damage\">how to avoid pothole damage<\/a> when you\u2019re on the road.&nbsp;<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Stay vigilant<\/strong><\/h3>\n\n\n\n<p>Keep an eye out for potholes as you drive, especially during the winter and on roads frequented by large vehicles. When the danger of potholes is high, keep focused on the road and be on the lookout for any hazards.&nbsp;<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Slow down<\/strong><\/h3>\n\n\n\n<p>Slowing down is one of the best ways to avoid serious pothole damage. If you can\u2019t avoid a pothole, it\u2019s best to roll through it at a slow, constant speed. Avoid slamming the brakes if you hit a pothole, as the load transfer will actually increase the likelihood of damage.&nbsp;<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Check your tires<\/strong><\/h3>\n\n\n\n<p>Your tires are the first line of defense against pothole damage. Periodically check that your tires are inflated to the specifications indicated in your owner\u2019s manual or door jamb. Also, make sure your tires are in good shape. Check that there is enough tread left, and that they were manufactured no more than six years ago. If not, it\u2019s time to get new tires.&nbsp;<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Inspect your car<\/strong><\/h3>\n\n\n\n<p>After hitting a pothole, take a moment to inspect your car. Look at the wheels and tires for damage, and pay attention to any changes in steering while you drive. Checking your car for signs of damage can help you avoid safety issues in the future. If something feels, sounds or looks different, bring your car to a trusted mechanic.&nbsp;<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"file\"><h2 style=\"margin-bottom:0px;\">How to file a claim after pothole damage<\/h2><\/a>\n\n\n\n<p>If your car has suffered pothole damage, and you want to file a claim, don\u2019t delay. Call your insurance company as soon as possible and report the damage.&nbsp;<\/p>\n\n\n\n<p>We know that filing any kind of car insurance claim, even a small one, can be stressful. Our unique claims services will simplify the process, getting you back on the road in no time.&nbsp;&nbsp;<\/p>\n\n\n\n<ol><li><strong>File your claim<\/strong><br \/>Please have your policy number ready. You can file a <a href=\"https:\/\/efnol.plymouthrock.com\/#\/login\">claim online<\/a> or by <a href=\"https:\/\/www.plymouthrock.com\/contact\">contacting us<\/a> or your agent directly.<\/li><li><strong>Assignment and tracking of the claim<\/strong><br \/>After you report your claim, you\u2019ll receive a claim number to help track its progress. We\u2019ll also assign you a friendly representative to answer any questions you may have.<\/li><li><strong>Damage evaluation<\/strong><br \/>If your vehicle has damage and the applicable coverage applies, we offer these convenient options to get you back on the road as soon as possible:<ul><li><a href=\"https:\/\/www.plymouthrock.com\/claims\/carpics-photo-appraisals\">CarPics<sup>\u00ae<\/sup> photo appraisals<\/a>:&nbsp;Eliminate the need to schedule a claims inspection and receive your estimate within hours. You may even get paid that same day.*<\/li><li><a href=\"https:\/\/www.plymouthrock.com\/claims\/services\/crashbusters\">Crashbusters<sup>\u00ae<\/sup> Mobile claim service<\/a>:&nbsp;Have a representative meet you to appraise the damage at a time and place that\u2019s convenient for you, often issuing you a check on the spot.<\/li><li><a href=\"https:\/\/www.plymouthrock.com\/claims\/services\/door-to-door-valet-claim-service\">Door to Door Valet Claim Service<sup>\u00ae<\/sup><\/a>:&nbsp;Let us pick up your car and handle the repair process from start to finish. If you have rental coverage, we\u2019ll even coordinate a rental car.<\/li><\/ul><\/li><li><strong>Receive your claim settlement<\/strong><br \/>At your option, Plymouth Rock may pay your claim to the repair shop or we may reimburse you directly. Your claim payment will be based on the terms and coverage in your car insurance policy.<\/li><\/ol>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"faq\"><h2 style=\"margin-bottom:0px;\">FAQ<\/h2><\/a>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"47755\" class=\"elementor elementor-47755\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cf92f6f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cf92f6f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-eb7e524\" data-id=\"eb7e524\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3b87feb elementor-widget elementor-widget-accordion\" data-id=\"3b87feb\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6241\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-6241\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How do I know if my suspension is damaged? <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6241\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-6241\"><p><span class=\"TextRun SCXW85086927 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW85086927 BCX0\">You can typically tell that your suspension is damaged if you notice a change in driving dynamic. If your car <\/span><span class=\"NormalTextRun SCXW85086927 BCX0\">doesn\u2019t<\/span><span class=\"NormalTextRun SCXW85086927 BCX0\"> drive straight when the wheel is centered, <\/span><span class=\"NormalTextRun SCXW85086927 BCX0\">it\u2019s<\/span><span class=\"NormalTextRun SCXW85086927 BCX0\"> likely you need <\/span><span class=\"NormalTextRun SCXW85086927 BCX0\">to bring your car in for service<\/span><span class=\"NormalTextRun CommentStart CommentHighlightPipeRestV2 CommentHighlightRest SCXW85086927 BCX0\">.<\/span><span class=\"NormalTextRun CommentHighlightPipeRestV2 SCXW85086927 BCX0\"> If your car is shaking while driving, there may be physical damage to your suspension. Take your car to a trusted mechanic if you have any concerns.<\/span><\/span><span class=\"EOP SCXW85086927 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:257}\">\u00a0<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6242\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-6242\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Will the state pay for pothole damage? <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6242\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-6242\"><p><span class=\"TextRun SCXW223943047 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW223943047 BCX0\">Some <\/span><span class=\"NormalTextRun SCXW223943047 BCX0\">jurisdictions<\/span><span class=\"NormalTextRun SCXW223943047 BCX0\"> offer reimbursement for pothole damage on public roads if you file a claim with the <\/span><span class=\"NormalTextRun SCXW223943047 BCX0\">appropriate office<\/span><span class=\"NormalTextRun SCXW223943047 BCX0\">. Check your local government policies for how they handle pothole claims in your area.<\/span><\/span><span class=\"EOP SCXW223943047 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:257}\">\u00a0<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"conclusion\"><h2 style=\"margin-bottom:0px;\">Conclusion \u2013 Does car insurance cover pothole damage?<\/h2><\/a>\n\n\n\n<p>Hitting a pothole can cause all sorts of damage, ranging from cosmetic scrapes to serious suspension issues. Your car insurance can help pay for pothole damage if you have Collision coverage, but it may not be worth filing a claim if the repair costs do not meet your deductible. Contact your insurance company for details on what your policy covers.&nbsp;<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"36610\" class=\"elementor elementor-36610\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee649ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee649ab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c502b6\" data-id=\"4c502b6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21697f5 post-margins post-link-class elementor-widget elementor-widget-html\" data-id=\"21697f5\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p style=\"margin-bottom: 0px;\"><strong>Now let\u2019s talk about you<\/strong><br \/>\nDo you have the right coverage for your vehicle? We\u2019d love to chat with you about it. Call us at <a href=\"tel:1-800-516-9242\">800-516-9242<\/a> or speak to a <a href=\"https:\/\/www.plymouthrock.com\/find-an-agent\">local agent<\/a>. \n<br \/><br \/>\nIf you\u2019d rather not talk, you can <a href=\"https:\/\/buy.plymouthrock.com\/esales\/entry\/start?PLF_Code=HIPT&amp;iRefid=Website&amp;iRefclickid=Copy_Link\">get a quote<\/a> quickly and easily online. Just enter your ZIP code to get started and see how much you could save!\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<p style=\"font-size:10px; margin-top:15px;\"><sup>*<\/sup>Certain restrictions apply.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hitting a pothole can cause all kinds of damage to your car. Can car insurance cover pothole damage? Here&#8217;s what you need to know.<\/p>\n","protected":false},"author":6,"featured_media":47752,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[71],"state":[],"class_list":["post-47754","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-auto"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does car insurance cover pothole damage?<\/title>\n<meta name=\"description\" content=\"Hitting a pothole can cause all kinds of damage to your car. Can car insurance cover pothole damage? 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