to submit a claim to the local municipality for the damage sustained to your car and/or passengers, due to a pothole or similar road defect, you have to immediately take photos of the car and damage, also be able to prove the following: 1. that you were traveling at the prescribed road speed and 2. that the municipality was aware of the defect for more than 3 days and nothing was done about it.. how you are going to prove that, is a mission by itself but they do pay for valid claims. it was a hot topic of discussion on 702 talk radio 3 weeks ago.