Ouch! You’re driving along when all of the sudden you encounter a huge bump in the road. Hitting a pothole is never fun. When water freezes, pavement expands, causing potholes to appear left and right when temperatures are below freezing.
Potholes can cause serious damage to your car. Even worse, melted snow creates puddles that disguise potholes from the naked eye. When maneuvering around them isn’t an option, you have to be vigilant in minimizing any damages.
If you have collision coverage, you should be covered for damage caused by hitting objects – including potholes. Any photographs, appraisals for damage to steering or alignment, and documentation should be submitted to your insurance agent.
You can check with the town to see if they will provide reimbursement for any damages, but you will need proof that the pothole has been there for some time and that they failed to address it. Otherwise, they can refuse to pay.
Depending on the extent of damages, you’ll either pay out of pocket if the cost to fix is lower than your deductible, or you can submit a claim to your policy if it’s more.
Hitting a pothole would be considered an at-fault accident. This means your insurance rates could rise depending on your carrier. If a rise in insurance rates is a determining factor in deciding whether or not to file, it’s best to look at your own financial situation in comparison to the damages. If you can afford to pay out of pocket, you might want to deal with the damages on your own. You can always appeal the surcharge if you get one and try to have it reversed.
Potholes can be reported to the MassDOT at (877) 623-6846. Reporting the pothole to the town won’t hurt either.
Hitting is pothole is no fun, but at least you have a dedicated insurance company there to help. If you need assistance with your auto insurance, contact us or call 617-924-5600.