Does Car Insurance Cover If You Hit A Pole?

Not every type of car insurance covers if you hit a pole, but certain policies do. Basic coverage policies will not cover if you hit a pole, but collision coverage and liability coverage will. Full coverage, which includes liability, collision, and comprehensive, will also handle damages of hitting a pole. If your policy will cover the damages - and you are not at fault - the most you will be responsible for is paying your deductible.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 28, 2021

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The Highlights

  • Car insurance does cover if you hit a pole if collision coverage is included in your policy.
  • The cost of collision insurance is dependent on your driving record, location, value of your car, and deductible amount.
  • Collision coverage will cover all the damage costs, minus the deductible.
  • After you hit a pole, call your insurance company or agent to file a claim.

The basic car insurance policy may seem okay at first, but then you realize that you are not as covered as you need to be. Not every type of car insurance covers if you hit a pole, but some policies do.

Basic car insurance does not come with liability coverage, collision coverage, or comprehensive coverage.

If you were to collide into a pole with basic coverage, then the damages – and the financial responsibility of the damages – will fall into your hands.

Compare car insurance coverage to learn what is the best for you and your family.

Make sure you have sufficient car insurance coverage if you were to hit a pole. Enter your ZIP code and get a free quote today.

Car insurance coverage for hitting a pole

Car insurance does cover if you hit a pole, but only if your insurance policy has collision coverage include.

A basic insurance policy does not include collision coverage, liability coverage, or comprehensive coverage. Out of the three mentioned, collision coverage will help pay for damages if you hit a pole and liability coverage will help if you are at fault of the collision.

The reasons you may hit a pole can vary including:

  • Hitting a patch of ice
  • Avoiding a collision with another car
  • Driving under the influence

Even with a DUI, an insurance company will pay for the damages if you have sufficient coverage. That does not mean you are off the hook. Driving under the influence of drugs and alcohol is illegal, so you will have to face other penalties.

What type of coverage do you need to cover if you hit a pole?

While most states do not require collision coverage, this is one of the only types of coverage that will be necessary if you were to hit a pole. Car insurance by state can easily differ. Most states only require bodily injury liability and property damage liability insurance.

According to the government, liability coverage protects you if you are at fault for a collision.

While collision coverage goes beyond the legal minimum requirement for insurance, seeing as most car accidents are due to colliding with something else, it’s smart to have that type of insurance coverage.

So how do you know whether to choose between collision coverage, comprehensive coverage, or liability coverage?

  • Collision coverage helps pay for the damages to your vehicle from accidents related to driving that results in a collision with another vehicle or inanimate object, like a pole.
  • Comprehensive coverage helps pay for the damage to your vehicle from other events, such as fire, glass damage, and theft.
  • Liability coverage helps pay for the other person’s expenses if you are at fault for causing an accident.

If you have all three included in your insurance policy, that’s often called full coverage, which is most beneficial to a person who drives often. If you have a basic insurance policy, you will want to add collision coverage, because basic insurance will not cover hitting a pole.

How much does collision insurance cost?

The cost of collision insurance is dependent on many different things, the price is not consistent for each person.

Your driving record, the value of your car, your location and your deductible amount are some of the different things that influence your premium.

In most cases, collision coverage is more expensive than comprehensive coverage.

YearsAverage Annual Liability Auto Insurance RatesAverage Annual Collision Auto Insurance RatesAverage Annual Comprehensive Auto Insurance RatesAverage Annual Full Coverage Auto Insurance Rates
2011$492.03$284.60$131.80$908.43
2012$503.28$287.87$133.30$924.45
2013$517.88$295.27$137.77$950.92
2014$530.01$308.32$143.45$981.78
2015$538.73$322.61$148.04$1,009.38
Average$516.39$299.73$138.87$954.99
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Should I file a claim if I hit a pole?

Yes. Filing a claim once you hit a pole should be done immediately. If you damage your own car, you can claim it on your own insurance.

After you hit a pole, you will want to call your insurance agent or company. From there, they will open a claim and investigate the accident to determine whether or not they will cover the incident.

If the company decides that they will cover the incident, the company will work with you to send your car to a body shop to get the damages fixed. From there, you wait to hear back from your insurance company. They will work directly with the body shop and you will be notified when it is ready.

How much would it cost if I hit a telephone pole?

If your policy is a full coverage policy or has collision coverage included, then 100% – minus your deductible – of the damages will be covered by the insurance company unless the damages are more than the price of the vehicle.

Your collision coverage will have a limit – which is usually the price of the vehicle.

If the damage is worth more than the value of your car, your insurance company may offer to total your car and send you a check for the total value of your car minus your deductible.

Will my insurance premiums increase if I hit a pole?

Your insurance premiums will more than likely go up if you hit a pole. If you hit a pole out of negligence, your premium will be raised. If you are not at fault, you will only be responsible for your deductible.

Whether or not you have full coverage, liability coverage or collision coverage, you’ll want to have more than a basic insurance policy if a car is involved.

Check to see if your car insurance covers if you hit a pole. Enter you ZIP code and get a free quote today.

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