When spring rolls around, many drivers are relieved to be rid of icy and snowy roads for a few months. But while the snow and ice may have melt away, what's surfaced behind them are huge potholes.

But there is relief: If your car is damaged by a pothole or gets caught in flood waters, you can file a claim as long as you have collision and comprehensive coverage on your auto policy. These coverages are not required and they do increase your premium, but it's worth it when a pothole damages your car's undercarriage or a flash flood soaks the inside of your vehicle.

Collision Coverage

This covers damage if your vehicle runs into another object, such as other vehicles, trees, light poles, mountains, etc. Even if you are at fault for an accident, your collision will reimburse your for the costs of repairing your car, minus the deductible.

Comprehensive Coverage

This covers damage caused to your vehicle by an “act of God”, such as fire, theft, vandalism, earthquake, flood or hail. Some companies offer glass coverage and will repair or replace a cracked or shattered windshield.

Deductibles

Both collision and comprehensive coverages are subject to deductibles. This is the amount of a claim that the policyowner must pay. Deductibles are meant to eliminate an insurer from having to pay for very minor losses. The higher your deductible, the lower your premium.

Avoid Costly Repairs From Potholes

• Be sure to keep your tires in good condition
• Make sure there is enough tread. Insert a quarter into the groove. The tread should cover part of Washington's head. 
• Make sure your tires are properly inflated.
• Check the condition of shocks and struts

Information from InsWorld.com.