Surviving Pothole Season in the Kitchener-Waterloo Region
Spring is here, and while the warmer temperatures are a welcome change, they also signal the arrival of pothole season in the Kitchener-Waterloo Region. The freeze-thaw cycle of winter leaves roads riddled with potholes, posing a significant hazard to drivers.
Hitting a pothole can cause costly damage to your vehicle, so it’s essential to know what steps to take if you encounter one, what type of insurance can help, and how to protect yourself with the proper coverage.
What to Do If You Hit a Pothole in the Kitchener-Waterloo Region
Potholes can cause damage to tires, rims, suspensions, and even your vehicle’s alignment. If you hit a pothole, follow these steps:
Pull Over Safely – If you suspect damage, find a safe place to stop and inspect your vehicle.
Check for Damage – Look for visible signs of damage, such as a flat tire, bent rim, or fluid leaks.
Document the Incident – If it’s safe, take photos of the pothole, your vehicle’s damage, and the surrounding area.
Report the Pothole – Notify the city about the pothole so it can be repaired. You can report potholes online through the City of Kitchener’s website.
Get a Repair Estimate – Have a mechanic assess the damage and provide a quote for repairs.
Check Your Insurance Coverage – Contact your insurance broker to discuss your coverage and potential claims.
Does Auto Insurance Cover Pothole Damage?
Whether or not your auto insurance covers pothole damage depends on your policy. Here’s what you need to know:
Collision Coverage: This type of coverage typically includes damage from hitting a pothole. However, you must pay your deductible before your insurance covers the remaining costs.
Comprehensive Coverage: This generally does not cover pothole damage, as it applies to non-collision incidents like theft, vandalism, and weather-related damage.
Third-Party Liability Insurance: The minimum required coverage in Ontario does not cover damage to your own vehicle from potholes.
If you have collision coverage, it’s worth discussing with your insurance broker whether it makes sense to file a claim based on the extent of the damage and your deductible.
The Importance of Auto Insurance Coverage
Potholes are an unavoidable part of driving in Canada, and the damage they cause can be expensive. According to a study by the Canadian Automobile Association (CAA), pothole damage costs Canadian drivers an estimated $3 billion annually. The right auto insurance coverage ensures you’re financially protected if you hit a pothole and your vehicle requires costly repairs.
Protect Yourself on the Road
While potholes are a seasonal hazard, you can take precautions to minimize the risk of damage:
Keep your tires properly inflated to reduce the impact of potholes.
Maintain a safe following distance so you can spot and avoid potholes.
Drive cautiously, especially after winter when potholes are most prevalent.
For more information about potholes in the Kitchener-Waterloo Region, visit the City of Kitchener Pothole Page. You can report a pothole online or by calling 519-741-2345.
Need Help with Your Auto Insurance?
Understanding your auto insurance policy is key to ensuring you have the right protection against pothole damage and other road hazards.
At E. Bollenbach Insurance Brokers, we can help you review your coverage and find the best policy for your needs. Contact us today at carla@bollenbachinsurance.com or 519-743-6379 to speak with a broker and ensure you’re prepared for pothole season. You can also visit our Auto Insurance page for more details.