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Serving the Towns of Guilford, Branford and North Branford
Drivers, Local Authorities Deal with Tough Winter's Potholes
Posted on March 27th, 2015

Branford, Connecticut, March 18, 2015— Poor road conditions have cost consumers and the insurance industry at least $27 billion over a five year period, according to a 2014 survey commissioned by Trusted Choice® and the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”). The survey also reveals that from 2009 to 2014 half of car owners experienced damage to their vehicles as a result of potholes. As millions of Americans encounter potholes as the rough winter wraps, Trusted Choice® urges drivers to be cautious now and as repairs continue.
“The snow, ice and freezing rain during the rough winter months left their mark on our roads in Branford, Connecticut and across the country,” says Carmine Montuori, Vice President of V.F. McNeil Insurance in Branford, Connecticut, a Trusted Choice® agency. “Severe potholes have led to accidents which may impact insurance rates, as premiums are determined by past claims, accidents and driving violations. Potholes and poor road conditions aren’t just an inconvenience; they are an expensive and dangerous result of harsh winters.”
The pothole 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. For about 40% of respondents, that bill was more than $500.
“This survey highlights how widespread the pothole problem is on our roadways and that the costs are enormous to both the insurance industry and to consumers,” adds Montuori. “And now, local authorities are struggling to keep up with the extensive road repairs.”
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.
“Drivers rely on their auto insurance coverage and their own pocketbooks to deal with unexpected expenses,” continues Montuori. “A Trusted Choice® independent insurance agent can help you select the coverage that best suits you and your vehicle by helping you evaluate your insurance needs and risks.”
Pothole safety tips:
Keep an eye on traffic patterns. A number of cars that slows 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 potholes 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 hit a pothole and suspect damage, pull over as soon as it is safe. If you notice damage, record details and specific damage—just as you would in the event of a collision with another motorist—in case you need to file an insurance claim.Check in at least annually with your independent insurance agent to ensure that you have the right coverage.V.F. McNeil Insurance is a local Trusted Choice® agency that represents multiple insurance companies, so it offers you a variety of personal and business coverage choices and can customize an insurance plan to meet your specialized needs. This firm adheres to a pledge of performance, committing them to providing excellent customer service. You can visit V.F. McNeil Insurance online at www.vfmcneil.com or call it at 203-481-2684.



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