Road defect vehicle damage planner

1. Safety and medical care come first. In an emergency call 112.
2. Confirm who maintains the exact location with the municipality, regional authority or road operator. Road type alone does not determine responsibility.
3. Contact your insurer or roadside assistance and check your policy terms before repair.
4. Safely retain location and time details, photographs, correspondence, reports and repair quotes or receipts where available.
5. This does not decide liability, policy cover, deadlines or compensation. Read settlement terms carefully and seek advice before releasing claims.

If you have not contacted your insurer, ask for guidance and a reference number.