clock February 27, 2015 comments 5 Comments flowchart Automobile InsuranceClaimsOur Blog tag Central Falls RICumberland RILincoln RIPawtucket RISafetySmithfield RIWeatherWoonsocket RI

Pothole Reimbursement Rhode Island and RI Auto Insurance for Pothole Damage

If you have been driving around northern RI lately, particularly in Central Falls, Pawtucket, or Ri Auto insuranceWoonsocket, you have probably noticed the major potholes that are seemingly everywhere.
As the snow and ice start to melt, they are revealing some less-than-stellar road conditions.  Potholes in Rhode Island may not be that unusual but this winter it seems like they are more prevalent and larger than ever before. Large potholes are around every corner.  My car almost got swallowed whole by a pothole on Dexter Street in Central Falls on my way home from the office last night!

This brings up the questions: “Do you have a Rhode Island pothole damage claim and does a RI auto insurance policy cover damage done to your vehicle caused by a pothole?” The answer is YES, as long as you have collision coverage on your RI auto policy. Believe it or not, hitting a pothole (or being swallowed by one) is considered a collision as far as insurance is concerned.  Not only is it considered a collision, but it is considered an at-fault one too! Don’t shoot the messenger, as I know that doesn’t necessarily sound fair, since the potholes certainly aren’t your fault.  Unfortunately, if you are unable to avoid them and you hit one, it is considered your fault. If you chose to purchase collision coverage, which is optional, then you will be covered for the damage, subject to your deductible (which typically ranges from $250-$1000). If the damage amount is less than your deductible, then you are responsible for the entire amount.

One alternative to filing an insurance claim is to check with the city or town where the pothole was located to see if they reimburse drivers for pothole damage. If you were driving on a state road, then you would obviously have to check with the state instead.  You may want to learn more about RI State Rules & Regulation Regarding Pothole Claims.  This could be a lengthy process to submit all the required documentation and proof, but it could be worth it in the end to avoid having a chargeable accident on your insurance.

Here are some links to help report RI pothole damage to local authorities. If your town is not listed, you should start by contacting your local police department.

State of Rhode Island – Submitting a Pothole Reimbursement Claim to the State of Rhode Island

City of Central Falls RI – Submitting a Pothole Reimbursement Claim to the City of Central Falls

City of Lincoln RI – Submitting a Pothole Reimbursement Claim to the City Of Lincoln RI

City of Pawtucket RI – Submitting a Pothole Reimbursement Claim to the City of Pawtucket RI

City of Providence RI – Submitting a Pothole Damage Claim to the City of Providence RI

City of Cranston RI – Submitting a Pothole Damage Claim to the City of Cranston RI

City of Warwick RI – Submitting a Pothole Damage Claim to the City of Warwick RI

Whether you decide to file an insurance claim or to pursue pothole damage reimbursement through the local officials, you should always take a photo of the pothole, note the date and time of the incident, and get two estimates for the damages.

We hope you can safely maneuver around all the RI potholes and that you won’t need our assistance, but if you do, you can always call us here at Loiselle Insurance for advice or help regarding your RI auto insurance policy and what it does and doesn’t cover.

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Suzanne Arena

THANK YOU! This was very helpful, especially the insurance company fact. I would tell others, depending on your deductible for collision insurance, you should submit to your insurance company and then once you receive some money, you can submit the remaining amount you paid to the Town whereupon the damage occurred.

Great help this article was.


Wow, this post is nice, my sister is analyzing these things, therefore I am going to tell her.


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Right here is the perfect blog for anyone who really wants to understand this topic.

You know so much its almost hard to argue with you (not that I personally will need to…HaHa).
You definitely put a brand new spin on a subject that’s been written about for a long time.

Great stuff, just excellent!


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