Houston has over 16,000 lane miles of city streets. That’s a lot of road. And with that much pavement, you’re bound to run over a pothole every now and then, even in cities with good roads. But unfortunately, Houston, TX, isn’t exactly famous for its stellar roads. We have areas like southwest Houston, and parts of the northest side near Wayside Drive and the 610 Loop that are notorious for potholes.

They can rip your tires, bend your rims, destroy your alignment, and even cause much worse damages. If you’re driving in Houston with just liability insurance, you’re not gonna have coverage if this happens to you.

Why Houston’s Roads Keep Getting Worse

Rain is the biggest problem in Houston. Our climate is actually quite tropical. That means we get a lot of rainfall. Sure, it makes our yards look green and gorgeous. But it also wears down the roads.

Water seeps into the pavement. This makes the base weaker until eventually, someone drives over a spot that punches a hole right through it. This is something Houstonians deal with all year long, not just during storm season.

With constant road construction going on in Houston, it can take forever to get a pothole filled. Every single year, the city fills about 50,000 potholes. But it’s like Whack-a-Mole. As quickly as one gets filled, three more pop up.

Why Won’t the City of Houston Pick up the Tab?

Texas law says that cities are not held liable for property damage caused by street conditions. You can file a complaint and report the pothole. But when it comes to getting reimbursed, don’t bank on it. Insurance Over Texas sees this exact situation regularly. Auto insurance with comprehensive and collision coverage is your only real option.

Why Comprehensive and Collision Auto Insurance Is Worth It

If your car’s paid off (no lienholder), the law only requires you to have liability insurance. That protects other people if you’re at fault in an accident. But it covers nothing for your vehicle.

Collision coverage is what you need to protect yourself financially if your car’s damaged from something like a pothole. Collison covers damage from striking an object. And in the auto insurance world, that pothole counts as an object.

Talk to a Professional to Make Sure You’ve Got the Coverage You Need for Driving in Houston, TX

If you live in Houston, you can pretty much count on running at speed over a pothole at some point. There’s no point in trying to win against the laws of the universe. Get in touch with our team at Insurance Over Texas, and we’ll help you get the coverage you need.