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Potholes in North Rhine-Westphalia: Why you often end up empty-handed when damage occurs without help
Potholes on roads in North Rhine-Westphalia are no longer a minor problem. They cause thousands of vehicle accidents every year – from damaged tires and bent rims to expensive axle and suspension damage. But the real trouble starts after the impact : Who pays for the damage?
Many victims assume that the municipality or insurance company will automatically step in. The reality is different. In many cases, those affected are left to bear the costs themselves – not because the damage isn't real, but because claims are made incorrectly or not at all .
Reporting a pothole doesn't mean you get money
While potholes can be reported, the city or municipality's liability is subject to strict conditions. The local authority must have been aware of the damage or have grossly negligently ignored it. Additionally, you need evidence: photos, time, location, and witnesses. If even one of these requirements is missing, the claim is often rejected.
Many fail right here – not due to negligence, but due to ignorance.
Insurance pays? Only if everything goes according to plan
Even going through insurance isn't straightforward. Depending on the policy and type of damage, a thorough review is conducted:
Partial comprehensive insurance usually does not cover pothole damage
Comprehensive insurance pays – but often with a deductible
Unclear damage scenarios quickly lead to inquiries or reductions in compensation
A single incorrect sentence in the damage report can be enough to jeopardize benefits. Those who proceed without structure and knowledge are at a significant disadvantage.
Why Risk-BOT is crucial in such cases of damage
Risk-BOT helps where policyholders would otherwise be left to fend for themselves.
We provide support in cases of water damage, fire damage, and burglary – precisely those everyday situations that can quickly become expensive.
Risk-BOT offers:
AI initial check to determine if your claim has a realistic chance of success.
Easy-to-understand, step-by-step instructions on what you should and shouldn't do.
Support with communication with the insurance company , without insurance jargon.
Personal help when things get complicated
Our goal is clear: to secure your claims and successfully handle the claim.
Why you lose quickly without support
Insurance companies operate with rules, deadlines, and specific wording. Those unfamiliar with these rules make mistakes – often unconsciously. The result is rejections, reductions in benefits, or delays lasting months.
Risk-BOT brings structure to the damage claim process , so you don't have to guess, but know how to proceed correctly.
Conclusion: The damage is not the end – wrong actions are
Hitting a pothole happens quickly.
The financial damage often only becomes apparent afterwards.
With Risk-BOT you have a digital claims coach at your side that helps you to react correctly, document cleanly and not give away your claims.
👉 Because in the end, it's not the pothole that matters – it's your approach.