Why You Need an Auto Insurance Agent for Pothole Season

Winter in Wisconsin can be unforgiving, especially for our roadways, and as the ice melts, Tomah quickly shifts into what locals know as “pothole season.” Have you ever wondered if your auto insurance will really help when your vehicle takes a hit from a hidden crater? At Edwards Insurance Agency, operating in the Tomah, WI area, we know firsthand that spring brings more than blooming flowers; it brings costly vehicle damage. As your local auto insurance agent, we help you navigate what your policy covers, especially for those frustrating encounters with broken asphalt. You deserve clarity and confidence, and our dedicated experts deliver just that.

What Is Pothole Season and Why Does It Matter?

Every year, as the snow and ice thaw, Tomah’s roads reveal a new set of hazards. Potholes erupt, especially in high-traffic corridors like North Superior Ave, creating risk for drivers. These notorious road gaps are not just an inconvenience; they can cause serious suspension, tire, and wheel damage. Knowing how an auto insurance agent can guide you to the right coverage helps safeguard your wallet.

During this season, car repair shops in Tomah see a huge uptick in alignment adjustments and tire replacements. But even though pothole damage is common, filing a claim for repairs isn’t always straightforward. That is why our team at Edwards Insurance Agency works with you to assess damage and claim options with care.

Does Auto Insurance Cover Pothole Damage?

One of the most asked questions we hear is, “Does my auto insurance cover damage from hitting a pothole?” The answer depends on your specific policy. Most importantly, you need both the right coverage and the guidance of an experienced auto insurance agent.

Hitting a pothole and damaging your car is typically classified as a “single-vehicle collision.” This means that coverage falls under your collision policy, not comprehensive coverage. If your policy includes collision, you may be able to file a claim, but deductible amounts and out-of-pocket costs must be considered.

For a deeper look at auto insurance coverage for your situation, head to our auto insurance page.

Collision vs. Comprehensive: What You Should Know

Auto insurance can sometimes feel like a maze of unfamiliar terms, but the distinction between collision and comprehensive coverage is especially important. Collision insurance helps with damages caused by impact such as when your car hits another vehicle, a tree, or, in this case, a massive pothole. Comprehensive insurance, on the other hand, covers things like theft, vandalism, hail, and fire.

Your auto insurance agent will review your policy to see whether you have collision coverage and explain what your deductible means in your specific situation. For example, if your deductible is $1,000 but your pothole damage is $600, filing a claim might not be financially worthwhile. We walk you through these calculations every step of the way, offering clarity to help you make the best decision based on both coverage and repair costs.