So, when you’re driving, there are a lot of different things that could happen. (Driving a car is no easy feat, after all!) And that’s why there’s car insurance. It’s there to help you when things go wrong. But what if you’re driving, and then all of a sudden there’s a telephone pole, and you, well, accidentally hit it with your car? It does a pretty good number on your car, although the telephone pole is unharmed (of course – it’s a telephone pole). Will your car insurance cover you? Well, we’ll break down the answer to this question.
Does car insurance cover if you hit a telephone pole?
So, the answer boils down to this: it depends on the coverage you have for your vehicle.
If you only carry liability insurance, the answer is probably no. Liability coverage consists of bodily injury liability insurance and property damage liability insurance. Bodily injury liability can help cover the costs of the other driver’s medical bills and pain and suffering if you’re at fault in an accident. Property damage liability can help cover the costs of repairing the other driver’s car if you’re at fault in an accident. Liability insurance, however, doesn’t protect your own car.
What we’re saying is that if you only have liability insurance on your car, you would most likely not be covered if you bump into a telephone pole.
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So, what coverage would you need to protect yourself in this unfortunate situation? Collision coverage is the insurance that can help you repair your car if you’re in an accident – or if you accidentally run into something. (It makes sense, considering the name. You know, it can help you if you collide with something.) To go back to our telephone pole situation, yes – collision coverage could help you repair your vehicle if you pick a fight with a telephone pole. Just don’t forget about your deductible, which is the amount you’ve agreed to pay in the event of a claim. (You have your portion of the loss, the insurance company has theirs.)
What’s another coverage to consider?
Collision coverage often pairs up with comprehensive coverage, which is kind of its best friend. Comprehensive coverage can help you repair your car if you experience a loss not caused by a collision. For example, losses like fire, theft, vandalism, falling objects, and even animal strikes. These are losses that also wouldn’t be covered by liability coverage. Anyways, it’s definitely worth considering comprehensive coverage.
Am I required to carry collision and comprehensive coverage?
If you have a car payment, your lender may require you to carry both collision and comprehensive coverage. It’s important to make sure that you’re meeting all relevant insurance requirements.
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