Potholes are a frustrating and common problem in February, when freeze-thaw cycles break pavement apart. Hitting a pothole can cause tire blowouts, wheel damage, alignment issues, or even suspension problems. But many drivers aren’t sure whether their insurance covers repairs.
The answer depends on the type of coverage you have. Damage from hitting a pothole is typically considered a collision, meaning you need collision coverage for repairs to be covered. If you only carry liability insurance, pothole damage usually won’t be covered.
Collision coverage can help pay for repairs to your vehicle after hitting a pothole, though you’ll need to consider your deductible. If the repair cost is lower than the deductible, it may not be worth filing a claim.
Comprehensive coverage, on the other hand, generally doesn’t apply to potholes—it’s meant for non-collision incidents such as theft, vandalism, fire, or weather-related damage.
Because potholes are especially common in late winter, drivers should check their tire pressure regularly, avoid driving through large puddles that could conceal potholes, and schedule wheel alignments if the vehicle begins pulling to one side.
Reviewing your auto policy now ensures you understand your protection before unexpected road damage occurs.