• Cornerstone Insurance

Is pothole damage covered by your auto policy?


We’ve all been there. You’re driving along and then it happens: Bam. Scrape. Your car hits a pothole. Now what? Did it cause an accident? Throw off your alignment? Are your tires okay? Are you okay?


If you have the right coverage, you might be able to file a claim to repair any pothole damage. 


But before you file, know your options. 


Assessing the Damage

Once the shock wears off, it’s time to see what you’re up against. Hopefully, you’ll drive off with little more than a dent or scratch. If you’re not so lucky, you might sustain damage to your:

  • Hubcaps and tires 

  • Struts and steering

  • Suspension and alignment

Think the damage is relatively minor? If the repairs are less than $1,000, the cost of a typical deductible, you may be better off paying out of pocket and avoiding a claim altogether.


Filing a Pothole Claim

Let’s say the pothole was big enough that it caused you to temporarily lose control of your car and sideswipe another vehicle. Collision coverage kicks in if it’s a single-car accident, but if anyone else is involved, you’ll be filing a claim under your liability insurance. 

Be aware that filing a claim under either can impact your future insurance rates.


Pothole Precautions

Can’t avoid hitting a pothole? Try these tips: 

  • Slow down as you near it, but don’t brake.

  • Approach puddles with caution.

  • Make sure your tires have the right amount of air.

  • Grip your steering wheel tightly to avoid swerving.

  • Finally, you may also want to research your city, county or state road commission policy on pothole damage reimbursement.


You can’t always protect your car from potholes. But you can always reach out if you need help deciding how to manage pothole damage. 


Get in touch today if you have questions.

Let's Connect.

Get in touch today to allow our knowledgeable staff to work to get you the coverage you need while saving you money.

Independent Insurance Agency

Tuttle Office:

Physical Address:

304 W. Main  Tuttle, OK 73089

Mailing:

P.O. Box 1075  Tuttle, OK 73089

Telephone:

(405) 381-3371

Fax: 

(855) 381-3371

Monday-Thursday: 

8:00 am-4:30 pm

Friday:

8:00 am-3:00 pm

Kingfisher Office:

Physical Address:

922 South Main Kingfisher, OK 73750

Mailing:

Kingfisher, OK 73750

Telephone:

(405) 375-7262

Fax: 

(855) 381-3371

Monday-Thursday: 

8:00 am-4:30 pm

Friday:

8:00 am-3:00 pm

Proudly created by Premier Media.