Last Updated on January 24, 2026 by The Insurance Pros

đźš— Michigan Pothole Damage Claims: Reporting and What to Expect

Car pulled over on the side of a Michigan road after hitting a pothole, with visible tire and wheel damage
Michigan winters bring snow, ice, and worst of all, potholes. These road hazards can destroy tires, crack wheels, and damage suspension components. This guide walks you through how to report a pothole in Oakland, Wayne, or Macomb County; when a road commission claim may apply; and when your auto insurance may be the faster route.

2026 Michigan update:

Pothole damage claims are often denied unless strict notice and timing requirements are met. For many drivers, the practical decision is whether to document the damage and pursue a road claim or handle it through insurance (depending on coverage and deductible).

đź“Ť Reporting a Michigan Pothole

You can report potholes to help get them repaired quickly. The correct agency depends on who maintains the road.

Tip:
When reporting, include the road name, direction of travel, nearest cross street, and a landmark. A quick photo can help identify the exact location.

🤔 Is Filing a Michigan Pothole Damage Claim Worth It?

Here’s the honest answer: it depends. Government immunity rules make many pothole damage claims difficult to win unless you can show the agency had enough time and notice to fix the hazard. If your repairs are minor, like a tire and alignment, it may be easier to handle them yourself or through insurance.

If the damage is significant (bent wheel, multiple tires, suspension damage), it can be worth pursuing a claim if you can document the pothole clearly and show where and when it happened.

🛠️ Filing a Pothole Damage Claim with the State (MDOT)

You may be eligible to file a claim with MDOT if a pothole on a state-maintained road damaged your vehicle. Keep in mind that claims are commonly denied unless strict requirements are met.

đź“ť What You Need to Prove

  • The pothole existed long enough that the agency reasonably should have repaired it.
  • The agency had notice (or should have had notice) and did not repair it in time.
  • You can document the location, date/time, damage, and repair costs.

🧾 How to File a Claim (Under $1,000)

  1. Download MDOT Form #3600
  2. Fill out all sections (incomplete forms may be returned)
  3. Have the form signed and notarized
  4. Include photos of the pothole and damage (when possible), repair receipts, and documentation
  5. Please send it to the MDOT regional office where the damage occurred.

MDOT typically responds within 90 days.

⚖️ Claims Over $1,000

If your damage exceeds $1,000, you may need to pursue the matter through legal channels. If you’re considering that route, consult a qualified attorney for guidance.

🏦 Should You File an Insurance Claim Instead?

In some cases, filing with your auto insurer is faster and more realistic. The coverage that matters most is usually collision.

  • Collision coverage may cover pothole damage (subject to your deductible)
  • Tire-only damage is often not covered unless other covered damage is involved
  • Your deductible applies
  • Some insurers may treat it as an at-fault collision for rating purposes
Smart move:
Before filing, compare the repair cost to your deductible and ask how a collision claim could affect your rate at renewal.

Helpful related reads:
Michigan Auto Claims: What Drivers Need to Know and Michigan Collision Insurance Options.

🧊 Why Winter Conditions Make Potholes Worse

Freeze-thaw cycles, snowmelt, and moisture intrusion all contribute to pavement breakdown. Many pothole incidents happen during the same conditions that cause black ice and loss-of-control crashes. If you’re driving in winter conditions, this companion guide can help:
Black Ice & Winter Driving Safety in Michigan.

đź“Ą Download the Michigan Pothole Damage Prevention Checklist

Bonus resource:
Download a free visual guide to reduce pothole-related vehicle damage this season.đź“„ Download the Checklist

🛡️ Final Tips to Avoid Michigan Pothole Damage

  • Slow down on wet or slushy roads where potholes are harder to see
  • Keep tires properly inflated and alignment maintained
  • Increase following distance so you can spot hazards earlier
  • Avoid abrupt swerves; controlled braking is often safer

âť“ Michigan Pothole Damage Claim FAQs

How long does MDOT take to respond to a claim?

MDOT often responds within about 90 days, though timelines can vary depending on claim volume and documentation.

Does hitting a pothole count as an at-fault accident?

If you file under collision coverage, some insurers may rate it similarly to other single-vehicle collisions. It’s worth asking before filing.

What should I document right away?

Take photos of the pothole (if safe), the damage, and the location (street signs or landmarks), and keep your repair estimate and receipts.

🛠️ Need help deciding whether to file a claim or adjust coverage?
Get a free Michigan auto quote today.