Last Updated on July 28, 2025 by The Insurance Pros

🚗 How to Report a Michigan Pothole Claim in Oakland, Wayne, and Macomb Counties

Close-up of a damaged car wheel near a pothole on a cracked Michigan road
Michigan winters bring snow, ice, and worst of all, potholes. These pavement craters can destroy tires, crack wheels, and damage your car’s suspension. If you’ve hit a pothole and suffered vehicle damage, this guide will walk you through how to report it and whether you should file a claim with the state or your insurance.

📍 Reporting a Michigan Pothole

To keep roads safe, Michigan drivers can report potholes directly to the state or their local county.

🛠️ Filing a Pothole Damage Claim with the State

You may be eligible to file a claim with MDOT if a pothole on a state-maintained road damaged your car. However, bear in mind that Michigan’s governmental immunity laws often result in the denial of most claims.

📝 What You Need to Prove

  • The pothole existed for more than 30 days before your incident.
  • MDOT was aware of the pothole and failed to repair it.
  • Your car insurance does not cover the damage.

🧾 How to File a Claim (Under $1,000)

  1. Download MDOT Form #3600
  2. Fill out all sections (incomplete forms will be returned)
  3. Have the form signed and notarized
  4. Include photos of the damage, repair receipts, and documentation
  5. 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’ll need to pursue a lawsuit against the state. Consult a private attorney for guidance.

🏦 Should You File an Insurance Claim Instead?

A digital infographic checklist showing tips to prevent Michigan pothole damage, with icons and flat design in blue and yellow colors.In some cases, filing with your auto insurer is faster and more realistic:

  • Collision coverage may cover pothole damage
  • Tire-only damage is usually not covered
  • Your deductible applies
  • Some insurers may consider this an at-fault accident

💡 Tip: Always contact your agent first to understand how filing may affect your premium.

📥 Download the Michigan Pothole Damage Prevention Checklist

Bonus Resource: Download our free visual guide to avoid pothole-related vehicle damage this season.

📄 Download the Checklist

🛡️ Final Tips to Avoid Michigan Pothole Damage

  • Slow down on wet or snow-covered roads
  • Keep your tires properly inflated and balanced
  • Increase following distance to spot potholes earlier
  • Avoid swerving abruptly; stay in control

🛠️ Do you require assistance with a claim or a policy update? Get a free Michigan auto quote today.