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Half of U.S. Car Owners Report Pothole Damage to Their Vehicles

Trusted Choice® survey shows that one-third of affected drivers file insurance claims.

Potholes (2).gifALEXANDRIA, Va., June 19, 2014—A new national survey reveals that an alarming number of car owners —about 50%—have experienced damage to their vehicles as a result of potholes over the last five years. Poor road conditions have cost consumers and the insurance industry at least $27 billion in that time period, according to the survey commissioned by Trusted Choice® and the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”).
The survey also found that 31% of car owners who reported pothole damage to their vehicles filed a claim with their insurance company. A surprising 65% of respondents who needed repairs said they (or a third party) paid out of pocket for the vehicle to be fixed. Only about 3% said local authorities stepped in to foot the bill.
“Potholes and poor road conditions aren’t just an inconvenience, they are an expensive and dangerous result of harsh winters like we recently experienced in many parts of the country,” says Robert Rusbuldt, Big “I” president and CEO. “This survey highlights how widespread the pothole problem is on our roadways and that the costs are astronomical to both the insurance industry and to consumers.” 
While motorists in the Midwest, Northeast and North Central regions of the country reported the most pothole damage, surprisingly the numbers were not that different even in the Southern and Western regions which typically experience milder winters.
“Americans rely on their auto insurance coverage and their own pocketbooks to deal with unexpected expenses,” says Madelyn Flannagan, Big “I” vice president of agent development, research and education. “A Trusted Choice® independent insurance agent can help you choose the coverage that best suits you and your vehicle by helping you evaluate your insurance needs and risks. It’s important that your coverage is up-to-date so that you’re in the best possible position to deal with not only potholes, but any costly surprises.”
Trusted Choice® offers the following tips to motorists to help avoid costly damage from potholes:
• Drive cautiously in areas where there are known potholes or on roads where you have seen damage in the past.
• Keep an eye on traffic patterns. A number of cars that slow down or move quickly to other lanes may be a sign of major potholes or road damage ahead.
• Avoid the urge to swerve out of the way of a pothole at the last minute. You may swerve into the path of an oncoming vehicle. Risking damage to your car is wiser than risking the loss of your life or that of another person.
• Report major potholes or road damage to your state or local transportation department. Some states and localities have pothole hotlines. Motorists who think their state or local government will pay for damage to their cars may be out of luck. Laws in this area vary by jurisdiction, and even where such remedies are available, conditions may apply such as a requirement that the jurisdiction had notice of the pothole.
• If you run into a pothole and you suspect damage, pull over as soon as it is safely possible to assess it. If you notice damage, record details of the event and the specific damage—just as you would in the event of a collision with another motorist—in case you need to file an insurance claim. Your independent insurance agent or insurance company will need this information to process the claim.
• Check in at least annually with your independent insurance agent to ensure that you have the right coverage for your vehicles in the event of pothole or other damage.
 The survey was conducted for Trusted Choice® and the Big “I” by MFour Mobile Research, Inc. using MFour’s Surveys on the Go® Smartphone Application Panel which includes Apple and Android mobile device users. MFour is an independent research company headquartered in Costa Mesa, Calif. Interviews of a nationally representative sample of 2,565 U.S. car owners were conducted in June 2014 and weighted by age and gender to represent the general U.S. population over age 18. More information about MFour can be obtained at
 For more information on the survey results, costly insurance mistakes or to request an interview with a national spokesperson or local insurance agent in your area, please contact Sue Nester (broadcast), (703) 706-5448, or Margarita Tapia (print) at (703) 706-5374,
Trusted Choice® educates consumers about the benefits of using independent agents and brokers for their insurance needs: choice of companies, customized policies and advocacy support. Trusted Choice® is the consumer marketing identity for more than 25,000 independent insurance agencies and brokerage firms and 70 leading company partners. For more information or to find a Trusted Choice® agent, go to
Founded in 1896, the Big “I” is the nation’s oldest and largest national association of independent insurance agents and brokers, representing a network of approximately a quarter of a million agents, brokers and their employees nationally. Its members are businesses that offer customers a choice of policies from a variety of insurance companies. Independent agents and brokers offer all lines of insurance—property, casualty, life, health, employee benefit plans and retirement products. Web address:
​127 South Peyton Street
Alexandria VA 22314
​phone: 800.221.7917
fax: 703.683.7556

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