Does car insurance cover hitting a wall? Car accidents can happen in a split second, and sometimes they involve hitting unexpected objects; like walls.
When this happens, you may face costly damage to your vehicle. But will your insurance cover the repairs?
The answer depends on the type of car insurance coverage you have and the specific details of the accident.
Understanding your coverage is key to avoiding surprise expenses. Even the most careful drivers can face unexpected situations on the road. And knowing what your policy includes can make a big difference.
In this article, we’ll explain how car insurance works when you hit a wall. So, stick with us to be enlightened.
Does Car Insurance Cover Hitting a Wall?
Yes, car insurance can cover hitting a wall, but it depends on the type of coverage you have. Not all insurance policies will pay for the damage to your car if you hit a wall, especially if you’re at fault.
This is why it’s important to understand what kind of protection your policy includes.
If you have collision coverage, your insurance will likely help pay for the repairs. Collision insurance is designed to cover damage to your car from accidents involving other vehicles or objects, including walls, poles, or fences.
Even if you were the one who caused the accident, this coverage can still apply.
On the other hand, if your policy only includes liability insurance, you may not be covered. Liability coverage is meant to pay for damage you cause to other people’s property or for their injuries.
It does not cover damage to your own vehicle, which means if you hit a wall, you would have to pay for the repairs yourself.
To avoid unexpected costs, it’s a good idea to review your insurance policy and understand the types of coverage you have. If you’re unsure, contact your insurance provider for clarification.
What If Another Car Causes Me To Hit A Wall?
If another driver causes you to crash into a wall, your car insurance may still help with the damages, depending on the situation and your policy.
In the case of a hit-and-run, where the other driver leaves the scene and cannot be identified. You might be covered if you have uninsured motorist property damage coverage or collision coverage.
These options can help pay for repairs to your vehicle. However, if you don’t have either type of coverage, you may have to cover the repair costs yourself.
If the other driver is known and clearly at fault, their liability insurance should cover the damage to your car and any medical expenses for you or your passengers, up to the limits of their policy.
This includes situations where your car was pushed into a wall due to their negligence. In such cases, their insurance should handle the cost of repairs and related losses.
It’s important to file a police report and contact both insurance companies to start the claims process.
What Should You Do If You Hit a Wall with Your Car?
If you hit a wall with your car, it’s important to stay calm and follow a few key steps to ensure your safety and handle the situation properly.
- Check for injuries
- Move to a safe location
- Call the police
- Document the scene
- Exchange information if needed
- Notify your insurance company
- Get an estimate for repairs
Taking the right steps after hitting a wall can make the process smoother and help you avoid further issues.
Can You Claim on Insurance If You Hit a Wall?
Yes, you can usually claim on your insurance if you hit a wall, but it depends on the type of coverage you have.
If you have collision coverage, your insurer will likely help pay for the damage to your vehicle, even if the accident was your fault. This coverage is designed specifically for situations where your car hits another object; like a wall, pole, or fence.
However, if you only have liability insurance, your policy won’t cover damage to your own car. Liability insurance is meant to pay for damage or injuries you cause to others, not yourself or your vehicle.
In some cases, if another driver caused you to hit the wall, their liability insurance might cover your repair costs. Especially if they were clearly at fault.
Keep in mind that when you file a collision claim, you’ll likely need to pay a deductible before your insurance kicks in. Also, making a claim could potentially affect your premium in the future.
So yes, you can claim, but the type of insurance you carry, and who was at fault, makes all the difference.
