Does your car insurance cover pothole damage?

According to an article on, “a basic, state-required liability auto insurance policy most likely won’t cover damage incurred by a policyholder hitting a pothole”.

The insurance will cover damages caused by the driver himself, but not damages caused a pothole. Collision insurance, which is not required by state law, will cover damages caused by holes in the road.

It is important to heed the terrain of the road after inclement weather conditions. When water freezes on the road, it expands, causing the pavement to crack, and with continuous rain, snow, or ice, potholes can form. Driving over these can cause damage to a suspension system or other problems to the car.