Introduction
Car accidents are a common occurrence on the road. They can happen to anyone, and they can happen for different reasons. One of the common accidents is hitting a pole with a car. This can happen due to various reasons such as bad weather, poor visibility, or driver error. When this happens, many people are often left wondering whether their insurance will cover the damages caused. In this article, we will explore whether your insurance will cover hitting a pole with your car.
Understanding Auto Insurance Policies
Auto insurance policies are designed to provide coverage for various types of accidents that a driver may encounter. However, the level of coverage and the specific types of accidents covered may vary depending on the type of policy you have. Generally, most auto insurance policies will provide coverage for damages caused by collisions, including hitting a pole with your car.
Comprehensive Coverage
If you have comprehensive coverage, your insurance will typically cover the damages caused by hitting a pole with your car. Comprehensive coverage is an optional coverage that provides protection against non-collision events such as theft, vandalism, and weather-related damage. It may also cover damages caused by hitting an animal, falling objects, or hail. However, you will need to pay your deductible before your insurance will cover the remaining costs of the damages.
Collision Coverage
If you have collision coverage, your insurance will also typically cover the damages caused by hitting a pole with your car. Collision coverage is designed to provide protection against damages caused by collisions with another car or object. However, you will need to pay your deductible before your insurance will cover the remaining costs of the damages.
Liability Coverage
If you only have liability coverage, your insurance will not cover the damages caused by hitting a pole with your car. Liability coverage only provides protection against damages that you may cause to other people or their property. It does not cover damages to your own car or injuries that you may sustain in an accident.
Other Factors to Consider
When determining whether your insurance will cover hitting a pole with your car, there are other factors that you need to consider. These may include:
- The cause of the accident
- The level of coverage you have
- Your deductible amount
- The cost of repairs
- Your insurance company’s policies
What to Do After Hitting a Pole with Your Car
If you hit a pole with your car, there are several steps you should take to ensure your safety and protect your interests. These may include:
- Stop your car and turn on your hazard lights
- Check to see if anyone is injured
- Contact the police to report the accident
- Exchange information with the other party involved if applicable
- Take pictures of the damages and the accident scene
- Contact your insurance company and report the accident
Conclusion
Hitting a pole with your car can be a stressful and costly experience. However, if you have the right auto insurance coverage, your insurance will typically cover the damages caused by the accident. Before taking to the road, it’s important to review your auto insurance policy and ensure that you have the right coverage to protect yourself and your car in case of an accident.
