If you file a claim due to damage from hitting a pothole, it would be paid under collision coverage. A situation like this would generally be thought of as a single vehicle accident and would be considered the fault of the rider. As such, most insurance companies would consider raising your premium as a result. However, if the company offers some form of accident forgiveness, your rates may not go up.
At Progressive, our motorcycle insurance premiums are based upon three years of claims history. Many other companies also use a three-year period but some companies may look back further, up to five or even seven years. However, not all claims will affect insurance premium. For example, a claim which is filed due to an accident which is someone else’s fault will not result in an increase in premium at Progressive, nor will a claim filed for theft or acts of nature. Also, Progressive Motorcycle customers who file a claim with a payout of less than $500 will not be surcharged, thanks to Progressive’s Small Accident Forgiveness.