How Hitting A Post Affects Auto Insurance Policy

“Minor accidents can happen to anyone. After hitting a pole, it is important to remain calm and assess the damage to the vehicle. If the damage is minor, filing a claim is not recommended, ”said Russell Rabichev, Marketing Director of Internet Marketing Company. has launched a new blog post that features how much the auto insurance premium will go up after hitting a post and when to file a protest.

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The most basic form of auto insurance doesn’t always cover hitting a pole. Drivers who hit a pole can be reimbursed by their insurers if they have some type of auto 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 only require liability insurance for bodily injury and property damage. Liability coverage protects the policy owner if they are responsible for a collision.

It is important for policyholders who have been involved in an accident with a pole to know the following information:

  • How much will their auto insurance premium increase? If a driver hits a pole through negligence, his premium will be increased. Drivers can expect their premium to increase by about $ 500 per year for about three years. If the driver is not at fault, he will only have to pay the excess. This is the advantage of collision coverage. Without this coverage, the driver would pay the damages out of their own pocket. In many cases, the cost of repairing the car can run into the thousands of dollars.
  • Should they file a claim after hitting a post? If the driver is at fault when they hit a pole, but the damage doesn’t seem too extreme, they should try to figure out how much it would cost to fix their car. If the total cost of repairing the car is less than paying the deductible and increasing the premium for subsequent years, drivers are recommended to pay the damage out of pocket. In short, it’s situational. Additionally, drivers should always notify the police after hitting a pole.
  • Is backing up in a pole considered an accident? Usually this is the case, but if alcohol or drugs are involved it will not be considered an accident. Additionally, drivers hitting a pole will have to pay the city for the damage.
  • What happens when you hit a lamppost? In most cases, the perpetrator of the accident will be held responsible for the cost of repairing the lamppost.

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Justin D. O'Neill