Don’t Let A Pothole Rock Your Bank Account…Get Car Insurance!

When the winter months finally come to an end, those pesky potholes begin to appear all over the roads! Some potholes are big enough to be seen and avoided, while others are too small to do any real damage. However, what about the potholes in between? You know, the large holes in the ground that seem to come out of nowhere, and rattle your entire vehicle? These holes have the ability to do a great deal of damage to your car.

Have you spoken to your insurance agent to determine whether or not your auto insurance policy will cover damage done by potholes? Here are a few examples of pothole damage you may experience:

  • Tire puncture
  • Bent wheel rims
  • Impaired steering system alignment
  • Ruined shocks and struts
  • Damaged exhaust system
  • Damaged engine

Luckily for you, most auto insurance policies will cover these repairs! However, it is still smart to check with your insurance agent first.

The most important form of coverage you need in order to receive reimbursement for pothole damage is collision coverage. This is an optional form of coverage, so make sure you add it to your policy.

When deciding whether or not to make a claim, you should first consider your deductible. Pothole damage usually costs somewhere between $300 and $700. Therefore, some instances may not justify a claim. After filing, there is a chance that your insurance carrier will raise your rate.

In order to decrease your odds of having damage done to your vehicle because of potholes, try to slow down and avoid them whenever possible.

If you would like to speak to a qualified insurance agent, please contact The Alliance Group of Western New York! Our agents are standing by to help you with anything you may need!