If you insurance coverage includes pothole damage, I would file a claim if my deductible is less than a new wheel. I hit a pothole and decided to take the wheel to a wheel shop for straightening. Once I removed the wheel it had a hairline crack from the hit. I checked my insurance policy and pothole damage is covered. My deductible is $100 for the incident. Once the bodyshop accessed the damages....found out the strut, strut housing, etc. was damage. $5300 worth of damage.