Am I covered if I hit a fence with my car?

Okay, let’s say that you were driving along, minding your own business when suddenly there’s a fence in the way. Somehow you’re careening for a fence, and then you hit it. Thankfully, you’re okay, but your car…well, it’s not so great. It’s been a bit smooshed. So, your question is will car insurance help repair the damage from the fence strike?

The answer?

If you have collision insurance, sure. It can help you cover the damage to your car from hitting that fence. Collision coverage is the one that can help you repair your car if you’re in an accident, or if you accidentally drive into something like a pole, or, you know, a fence. It could happen. We don’t judge.

(If you only have liability insurance on your car, you probably won’t be covered for the repair of your car after hitting a fence. Your liability insurance typically doesn’t cover repairs to your own car.)

Your next question might be is collision coverage required? Well, if you have a lender and a car payment, you might indeed be required to have collision coverage because the lender will say so. (And your lender may also require you to carry comprehensive coverage, which can help repair your car if it’s damaged by something other than an accident. It can cover losses like fire, theft, vandalism, theft, and falling objects.)

Anyways, we’re not going to ask how you managed to hit a fence with your car. But that’s the scoop with getting your car repaired if you do hit one. Like we said, it can happen.

Fences aside, we can help you get the car insurance you need to protect your vehicle. Get started with quotes by sending us a LiveChat – or filling out our form. We’re happy to answer your car-insurance-related questions and get you some quotes!