Will My Car Insurance Cover Pothole Damage Costs?
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Will My Car Insurance Cover Pothole Damage Costs?

Driving over a deep pothole, even at a low speed, can cause substantial damage to a vehicle. This includes the tyres, alloy wheels, steering alignment, wheel tracking, balancing, and suspension. Severe damage to the steering can make it difficult for the driver to control the vehicle, leading to an increased risk of accidents.

Can you claim for pothole damage on your car insurance? The answer is usually yes, but it’s important to consider the risk of being ruled at fault by your insurer, resulting in an excess charge. Lorna Connelly, Head of Claims at Admiral, recommends staying alert while driving, slowing down, and avoiding swerving. If you believe you’ve hit a pothole, check for damage as soon as it’s safe to do so, and take photos of the pothole and the damage to your car. If you have Comprehensive cover, claiming for pothole damage through your insurer should be straightforward, but it may affect your no claims bonus and you may need to pay an excess. However, if you don’t have comprehensive cover, you might not be able to claim on your insurance for pothole damage. In that case, you can try to claim compensation from the responsible authority, although success is not guaranteed. To help with the process, Admiral has created a step-by-step guide on how to claim compensation for pothole damage.

How to Claim Compensation for Pothole Damage

Admiral’s guide advises collecting evidence of the pothole’s location, the time and date of the incident, and getting a photo if possible. Take your car to a garage for assessment and obtain a written report. The next step is to determine who is responsible for maintaining the road where the pothole is located. Different authorities are responsible for maintaining certain types of roads. Once you’ve identified the responsible body, lodge a formal claim, including the mechanic’s report, repair costs, and any photos taken. If the council’s offer is not acceptable, you have the right to seek fair compensation if the council or Highways Agency has failed in its duty to keep the road in a fair state of repair. If your claim is rejected, seeking legal advice or taking the case to court may be an option. If you have comprehensive cover, you can claim for pothole damage on your insurance, but it’s important to consider the cost of the damage, your excess payments, and the potential impact on your No Claims Bonus.