The short answer
Pothole strikes are 'collision' — hitting a fixed object — so collision coverage pays after your deductible. Comprehensive doesn't apply. If the pothole was reported to the municipality before your strike, a claim against the city or state DOT may recover the loss without touching your policy.
Frequently asked
- Will a pothole claim raise my rate?
- Yes — it counts as at-fault collision in most state rating systems.
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