Is damage from a pothole covered by my car insurance? Yes,
Yet another terrible
February winter storm in Pittsburgh.
The sudden and intense storm that hit Pittsburgh on the afternoon of
February 21, 2011 caused
icy roads, blizzard like conditions,
and wrecked havoc on rush hour commuters, many of whom simply abandoned
their vehicles on the side of the road. This storm just seemed odd
because just a day earlier the temperature had been unusually warm.
Unfortunately, that leads to another affect of winter weather. Repeated
freezing and thawing causes pavement to crack and then crumble away as
cars drive over it, putting your vehicle at risk of damage from
So, are potholes covered by insurance?
According to the
Insurance Information Institute ,
it is if you added collision coverage to your auto insurance policy. Damage
caused by hitting a
pothole is typically covered under collision
insurance, however, 28% of drivers opt not to buy collision insurance at
all. "Damage to cars due to
potholes is covered under the optional
collision portion of an auto insurance policy.
Coverage for potholes may
vary from company to company—for instance, there may be limited coverage
for damage to tires if the car itself was not affected by the
This coverage also pays for a collision with another car,
object or as a result of flipping over.
Collision coverage is generally
sold with a deductible of $250 to $1,000—the higher the deductible, the
lower the premium."
You can report a pothole in Pittsburgh at
AAA Mid-Atlantic Automotive Services
offered this advice in the article "AAA says drivers spend nearly $5
billion per year in
pothole damage repairs":
--Keep an eye on traffic patterns. Cars that slow down or move quickly
to other lanes may be a sign of major
potholes or road damage ahead.
--Beware of snow, ice or water that may be concealing a deep pothole.
--Report major potholes or road damage to your state, or local
--Avoid swerving. Swerving can cause a loss of vehicle control
--Slow down. Carefully avoid sharp impact with potholes.
--Roll through. Rolling through the pothole is better than braking
--Inflate tires properly. Over inflated and under inflated tires
increase risk of tire and wheel damage.
1. What are potholes?
2. 8 signs your car has pothole damage.
3. Pothole damage and insurance claims.
4. Protect your car from potholes.
5. Cost of pothole repairs.
6. What causes potholes?
7. Basic liability car insurance does
not cover potholes.
8. Report a pothole in PA.
9. Who is responsible for pothole
10. Crazy uses for potholes.