Pothole Damage Car Insurance Coverage | Will auto insurance cover pothole damage?

Pothole damage car insurance coverage is included under collision coverage. Collision coverage is an option you can add to your insurance policy that provides protection when your vehicle is damaged by an impact with another vehicle, a stationary object, or even a pothole. You must pay your car insurance deductible in order to get your pothole damage auto insurance policy to pay the rest.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 27, 2021

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Here's what you need to know...

  • Your auto insurance policy will normally provide coverage for pothole damages, as long as you’ve selected the proper coverage options
  • However, your insurance will only provide coverage if you carry collision coverage on your policy at the time of the incident
  • Additionally, normal wear and tear from poor road conditions are not normally covered

Potholes are a common occurrence that can happen with poor road maintenance, and they can cause damage to your car that you do not expect.

Luckily, your insurance coverage may provide some protection for your vehicle if it’s damaged due to a collision with a pothole. Before you go about filing a claim, make sure to consider a few things first.

If your vehicle has been damaged due to a pothole, it’s never too late to comparison shop for better coverage!

Do you carry the appropriate coverage for pothole damage?


When you are searching for insurance coverage, or if you’ve purchased a policy, you should be aware of which coverage options you’ve selected.

There are state-required coverage options, such as liability coverage, and there are optional coverage choices, such as collision coverage.

Collision coverage is an option you can add to your insurance policy that provides protection when your vehicle is damaged by an impact with another vehicle, a stationary object, or even a pothole.

When you are purchasing your insurance coverage, it’s a good idea to discuss what your policy will cover with your potential provider.

Additionally, you can get quotes from multiple companies to compare coverage options and make the best choice for your needs.

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Was your vehicle damaged due to a collision with a pothole?

Potholes are a common occurrence on the road, usually caused by vehicles that are too heavy for the pavement or by poor maintenance conditions.

If you collide with a pothole, it’s important to discern if there are damages to your car due to the impact.

Driving over bad roads and having general wear and tear occur to your car is not normally covered.

It may be difficult to determine if your vehicle was damaged by a pothole or by something else, meaning you may need an independent opinion.

If you are filing a claim with your insurance provider, you may need to have your vehicle inspected by a third-party to get an unbiased opinion on how extensive any pothole-related damages are.

Are you willing to pay your deductible amount to repair your vehicle?

If you carry collision coverage on your policy, you may have a deductible to pay in the event of any damages. The deductible is an amount that is listed in your policy terms that you are responsible for in the event of a covered loss.

You may be required to pay this amount before your policy limits take effect, or your provider may reduce any settlement by this amount if you cannot pay.

The deductible is added to your collision coverage to help offset the higher costs that are associated with providing auto insurance.

Collision coverage is one of the more expensive coverage options, and insurance providers use the deductible to avoid receiving claims for every little incident.

Doing this allows insurance companies to focus on the claims that require their attention, as well as the claim situations you may need help recovering from.

When you are looking for car insurance, speak to any provider you are considering and determine what their policy is regarding deductibles and the claim process.

Every insurance provider is different, and some may offer unique options to help offset the cost of collision coverage.

For example, some providers offer deductible reductions for each year you do not file a claim. Make sure to investigate any benefits a provider may offer before making your final decision.

Your Insurance Coverage

Your insurance coverage may help you recover from any pothole damages that happen during your day-to-day travels.

However, if you’re looking to file a claim to repair your vehicle, it’s important you carry collision coverage on your policy.

Remember that damages caused by poor road conditions, such as a lack of maintenance or bumpy pavement, are not covered by insurance coverage in most conditions.

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  1. https://www.allstate.com/tools-and-resources/car-insurance/is-pothole-damage-covered.aspx
  2. https://www.iii.org/article/what-is-covered-by-collision-and-comprehensive-auto-insurance
  3. https://www.iii.org/article/does-my-auto-insurance-cover-damage-caused-by-potholes
  4. https://www.nasdaq.com/article/is-pothole-damage-covered-and-should-you-bother-filing-cm150542
  5. https://www.libertymutual.com/auto/car-insurance-coverage/collision-insurance
  6. https://www.iii.org/article/understanding-your-insurance-deductible
  7. https://www.progressive.com/understanding-insurance/entries/2009/9/1/best_of__when_shoul/

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