Hit a Pothole? Who Pays for the Damage ?

You’re driving on New Circle Road or downtown Lexington and you hit a pothole, a manhole cover, or something similar on the roadway.

BAM! Your car sustains subsequent damage; do you have any recourse with the Department of Transportation? Should you file a claim on your auto insurance for the damage to your tire/wheel/rim?

There are mechanisms in place to protect drivers from the potential negligence of government entities. In Kentucky, the Board of Claims helps to ensure that individuals who have suffered damages due to such negligence receive a thorough and impartial review of their claims.

It’s essential to understand the process when considering filing a claim with the Board of Claims. Anyone who believes they have suffered damages can initiate the process, seeking restitution. Whether it’s property damage, personal injury, or financial loss, the Board is here to provide a platform for resolution. This also applies to damage caused by the roads.

It’s also important to note that the Board of Claims considers various factors when evaluating a claim, including any compensation received from other sources, such as private insurance. This practice helps to ensure fairness and prevent double recovery for the same damages.

For those who may need assistance navigating the application process or require a paper copy of the claim form, reach out to the Board’s office at 502-782-8255 for support and guidance throughout the process. You can also check out their website at www.kyc.ky.gov.

However, if you aren’t successful going down this path, contact your insurance agent to discuss the coverage you may have on your policy to help with the damage. You may also be served by paying for the damages out of pocket. Check with your agent to find the right solution for you.