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 Woonsocket, 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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