Okay, so somehow (we won’t judge) you hit a telephone pole. And now your car is kind of smooshed. Uh oh. (We said we wouldn’t judge, but we do wonder how exactly you managed to hit a telephone pole.) Anyway, however it happened, your car is now damaged due to its unfortunate encounter with a pole.
Your first question is this – does car insurance cover if you hit a telephone pole? It’s a valid question. Car insurance is for snafus that result in squashed cars, right?
Well, if you have collision coverage, you might just be in luck. Your collision coverage could help you repair the damage to your car, though you still have to consider your deductible. (Remember, collision coverage is the one that can cover damage to your car if you’re in an accident or if you hit something like a fence.) So, that’s where collision coverage could come in handy!
However, if you only have basic liability insurance for your car…well, it’s probably not going to help you cover damage to your own car if you hit a telephone pole or if you’re in an accident or something. It just won’t. It’s unfortunate.
That’s why it’s important to consider collision coverage and it’s best buddy, comprehensive coverage. (Comprehensive coverage is the one that can help repair damage to your car if it’s there’s a loss other than an accident, such as fire, vandalism, animal strike, theft, and falling objects.)
Oh, one more thing to know – if you have a car payment, your lender might require you to carry collision and comprehensive coverage.
Anyways, that’s the deal with telephone poles and car insurance. It’s probably best to try not to hit them, but if you do, collision coverage could help you repair the damage to your car.
If you need auto insurance or if you want to get some car insurance quotes, we can help! All you have to do is send us a message on LiveChat (or fill out our online form).