Have you ever wondered if your car insurance covers hitting a pole? Well, your car insurance is designed to lend a financial hand when you're involved in an accident. This includes covering the damages done to your car, as well as any property damage or injuries sustained by you or anyone else involved in the accident. But, it's crucial to understand the specifics of your insurance coverage to know exactly what is covered in case of an accident. So, does car insurance cover hitting a pole? Let's find out!
Collision coverage pays for damages that are caused by a collision where you strike an object or another vehicle. You need this type of coverage if you are ever at fault during an accident. If the accident wasn't your fault, both insurance companies would have to work together to determine which company would pay for specific damages. In most cases, damage caused by striking a pole will be covered if you have collision or comprehensive insurance.
With collision insurance, if the damages to your vehicle are less than your policy limit, the total cost will be covered. When your car is totaled, you will receive your car's approximate value minus the amount of your deductible. Paying your deductible is your obligation. Make sure you always get a receipt.
Collision insurance only pays for your damages. If you want to be protected against personal injuries or property damage to others, you will need to purchase Property Liability/Personal Injury coverage in addition to your collision coverage. If you only have Property Liability and Personal Injury coverage, your insurance won't cover the damage to your vehicle.
Hitting a pole is a common type of accident. Driving under the influence, swerving to miss a deer or vehicle, or hitting a patch of ice are the most common. Most causes may be covered, depending on the circumstances. If your accident is the result of your driving under the influence, your claim will more than likely be denied, and your policy could be terminated.
One of the most common reasons for a claim for auto damages to be declined is not having enough coverage. If you only carry a basic policy, there's a good chance that your claim won't be covered. If you have a policy that only covers damages to someone else's property, yours won't be covered.
Hitting a pole is something most of us will always try to avoid. Sometimes, it’s unavoidable, and we need to file an insurance claim to help cover the damages. It's important to remember, however, that a collision policy will not cover any injuries or medical costs that may arise from the accident. It's important to go over the types of insurance you have available to you. If you have questions, talk to your insurance agent, so you have all the answers you need before you purchase your policy.
When you have questions about damages caused by hitting a pole or collision coverage, contact the agents at John E. Peakes Insurance Agency at your earliest convenience. We can help you get the coverage you need, as well as the answers to all of your questions.
