Dodging Potholes

by | Dec 1, 2017 | Auto Insurance, Car Tips, Claims, Personal Risk

What is a pothole?

A pothole is a type of failure in an asphalt pavement caused by the presence of water in the underlying soil structure. Water causes erosion forming a depression or hollow in the road surface.
Potholes can damage your vehicle in many ways. Driving over a pothole unexpectedly can cause a wide array of damages such as:

  • Bending of wheel or rims
  • Puncturing of tire
  • Damage to exhaust or alignment systems

Potholes can be costly and depending on your insurance policy, you may or may not have coverage for hitting one.

How will your insurance policy respond?  Your insurance policy will only cover pothole damages if the policy includes collision insurance. This is an optional coverage that is typically associated with a deductible amount. Usually, the deductible amount varies between $250-$1000. Damages from a pothole will have to exceed the deductible amount before the insurance would respond. Contact your local FBinsure agent to discuss coverage options.

Should a claim be filed after pothole damages?  Again, claims for pothole damages fall under collision insurance. Because the collision coverage will respond, a surcharge may follow which could potentially increase your rates. Getting an estimate from an auto body shop will help determine costs for damages also indicating if utilizing your collision coverage is necessary. Damages need to exceed your deductible amount. An FBinsure agent can analyze your policy for appropriate coverages.

How to avoid pothole damage?  The best way to avoid a pothole and the high costs associated with damages is to steer clear of the pothole. Stick to roads that are well known and driving a bit slower can help with avoiding a potential collision with a pothole. Driving on well-lit roads can help identify an oncoming collision.



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