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2. You hit a pothole.

PotholePotholes, which often pock-mark roads during storms, can cause damage to your car's suspension, steering and tires. Collision insurance covers damages from a vehicle's impact with an object, like a pothole, or from flipping over.

But the Insurance Information Institute (III) recommends getting an estimate for any repair costs before filing a claim. You may not want to file a claim if the costs are less than your collision deductible or close to it. 

A State Farm study shows that vehicle repairs from damage caused by a pothole can cost drivers, on average, anywhere from $300 to $700. If your deductible is $500 or more, it might not make sense to file a claim.

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