As we enter road trip season, people across the state are gearing up for weekend getaways and long drives to exciting destinations. Before you pack up the car, there’s one pesky road hazard to keep in mind: potholes. After a long winter of fluctuating temperatures and heavy traffic, many roads are left cracked, uneven, and ready to cause trouble for your tires, suspension, and more.

Hitting a pothole can cause more than just a bumpy ride, it can lead to costly damage. From blown tires to misaligned steering, these road hazards can quickly ruin your summer plans. But does your insurance policy cover pothole damage? Here’s what you need to know before heading out on your next trip.

How Potholes Can Damage Your Vehicle

Potholes can vary in depth and severity. Even a shallow one can create problems, especially at high speeds. Some common types of damage include:

• Tire and Rim Damage: A sudden impact can cause flat tires, sidewall bulges, or cracked and bent rims.
• Suspension and Alignment Issues: Potholes can throw off your vehicle’s alignment, leading to uneven tire wear and steering problems.
• Underbody Scrapes and Exhaust Damage: If a pothole is deep enough, it can scrape the bottom of your car, potentially damaging the exhaust system or oil pan.
• Steering and Braking Problems: If your vehicle pulls to one side or vibrates after hitting a pothole, it could indicate serious damage to the suspension or steering system.

Does Car Insurance Cover Pothole Damage?

Pothole damage is generally covered under collision coverage, since hitting a pothole is considered a type of collision. Comprehensive coverage doesn’t apply in this case, and standard policies rarely cover tire-only damage unless it’s part of a larger claim. Because every situation is different, be sure to check with your trusted Rockingham Insurance agent to see how coverage would apply in your specific circumstance.

Should You File a Claim for Pothole Damage?

Deciding whether to file a claim depends on several factors:

• Cost of Repairs vs. Your Deductible: If repairs cost less than your deductible, paying out of pocket makes more sense.
• Impact on Your Insurance Premiums: Since hitting a pothole is considered a single-vehicle accident, filing a claim could result in higher rates at renewal.
• City or State Reimbursement Options: Some municipalities offer pothole damage reimbursement programs, though processing times can vary.

How to Avoid Pothole Damage on Summer Road Trips

Potholes can appear anywhere, from city streets to highways. Here are some ways to protect your vehicle while traveling:

• Stay Alert and Scan the Road: Keep an eye out for dips or cracks in the pavement, especially on unfamiliar routes.
• Increase Your Following Distance: Staying farther back from the car in front of you gives you more time to spot and avoid potholes.
• Maintain Proper Tire Pressure: Properly inflated tires help absorb impact and reduce the risk of blowouts.
• Avoid Sudden Braking: Hard braking can shift more weight onto your front wheels, increasing damage when hitting a pothole.
• Slow Down in Construction Zones: Summer is peak roadwork season, and potholes often form in construction areas before final repairs are made.
• Watch for Water-Filled Potholes: Potholes can be hard to see when covered by water, making them even more dangerous.

What to Do If You Hit a Pothole

If you hit a pothole, follow these steps to assess and address any damage:

1. Pull Over Safely: If you notice changes in your vehicle’s handling, check for visible tire or wheel damage.
2. Document the Incident: Take photos of the pothole and any damage to your car. Note the location, time, and road conditions.
3. Check for Local Reimbursement Options: Some states and cities allow drivers to file damage claims for potholes on public roads.
4. Get a Repair Estimate: Have your car inspected by a professional to determine the extent of the damage.
5. Review Your Insurance Coverage: If repair costs exceed your deductible, consider filing a claim through your collision coverage.

Stay Protected with Rockingham Insurance

Summer is a time for adventure, and the last thing you want is unexpected car trouble from a pothole. Reviewing your auto insurance policy before heading out can give you peace of mind. If you’re unsure whether your coverage includes pothole damage, reach out to your Rockingham Insurance agent today! We’re here to ensure you can enjoy your next road trip–without any bumps in the road.