Pothole damage: are you covered? Driving over a pothole can be both frustrating and costly. Whether your car insurance covers the damage depends entirely on the type of policy you have.
What type of insurance do you need?
In the Netherlands, basic liability insurance (WA) only covers damage you cause to others. It does not cover damage to your own car.
Limited comprehensive insurance includes things like fire and theft, butusually excludes pothole damage.
For pothole-related repairs to be covered, you’ll need all-risk insurance.This is the most complete coverage and includes damage from road conditions such as potholes.
What kind of damage can potholes cause?
Potholes can lead to issues such as punctured tires, bent or cracked rims, misaligned wheels, damaged suspension, or steering problems. These repairs can quickly become expensive, which is why all-risk coverage is highly recommended if you want peace of mind.
How to file a claim
If your car is damaged by a pothole, take photos of both the pothole and the damage to your car. Note the location, time, and conditions. Get a repair estimate from a professional garage, and then contact your insurance company with the full report.
Should you file a claim?
Before filing, consider whether the cost of repairs is higher than your deductible. Also keep in mind that filing a claim could impact your no-claims bonus and increase your premium. For minor damage, it might be smarter to payout of pocket.
Conclusion
Potholes are more than just a nuisance, they can damage your car in ways that aren't cheap to fix. If you want to be sure you're covered, make sure your policy includes all-risk coverage. That way, you're protected no matter what the road throws at you.
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