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The most basic form of auto insurance does not always cover hitting a pole. Drivers who hit a pole can be reimbursed by their insurers if they have a certain type of car insurance coverage. The type of coverage that will help them if they hit a pole is collision coverage. In many states, this type of coverage is not mandatory. Most states require only bodily injury liability and property damage liability insurance. Liability coverage protects the policy owner if he is at fault for a collision.
It is important for policy owners who got involved in an accident with a pole to know the following information:
- How much their car insurance premium will go up? If a driver hits a pole out of negligence, then his premium will be hiked. Drivers can expect their premium to rise by about
$500per year for about three years. If the driver is not at fault, then he will have to pay only the deductible. This is the benefit of collision coverage. Without this coverage, the driver would be paying for the damage out of his own pocket. In many cases, the costs to fix the car can reach thousands of dollars.
- Should they file a claim after hitting a pole? If the driver is at fault when hitting a pole, but the damage doesn’t look too extreme, they should try to find out how much it would cost to fix their cars. If the total cost for fixing the car is smaller than paying the deductible and the increased premium for the next years, drivers are recommended to pay for the damage out of their pockets. All in all, it’s situational. Also, drivers should always inform the police after hitting a pole.
- Is backing into a pole considered an accident? It usually is, but if alcohol or drugs are involved it will not be viewed as an accident. Also, drivers who crash into a pole will have to pay the city for the damages.
- What happens when hitting a lamppost? In most cases, the author of the crash will be held liable for the cost of repair to the lamppost.
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