The decision to file a claim for pothole damage depends on several factors. If the damage is extensive and the cost of repairs is significant, filing a claim may be appropriate. However, it’s important to consider the deductible amount and the potential impact on your insurance premiums. Since collision claims are often considered chargeable claims, filing a claim for minor damage that would result in a small payout from the insurance company may not be financially beneficial. In such cases, paying for the repairs out-of-pocket may be a more sensible option.