Does auto insurance cover if you hit a pole?

Does auto insurance cover if you hit a pole? Yes, collision coverage would help you in most circumstances. Auto insurance quotes for collision coverage can be obtained for about $25 a month or $300 annually. Learn more about finding affordable auto insurance rates and more before you buy auto insurance.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 2, 2021

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What You Should Know

  • Whether or not insurance covers you when you hit a pole is primarily dependant on how this accident was caused.
  • If you hit a pole, do not leave the scene; report it to the authorities immediately.
  • The most basic form of auto insurance does not always cover hitting a pole.

What if you total your car with no auto insurance? Does auto insurance cover if you hit a pole? In short, yes. There is a form of coverage that will assist you after such an incident.

We’ll get into all of that in our step by step guide. By the end of this article, you’ll have an understanding of not just what coverage you need, but how much you need. Should you switch insurance after an accident? Learn more.

For affordable auto insurance, get a good start by typing your ZIP code into our tool above to find reasonable auto rates in your area so you don’t have to worry if something like this happens.

What should I do if I hit a pole with my car?

First off, the type of coverage that will assist you if you hit a pole is called collision coverage. In most states, collision coverage is not required. This means you will have to add it to your basic policy.

Most states require only bodily injury liability and property damage liability insurance. According to USA.gov, liability coverage protects you if you are at fault for a collision.

Let’s take a look at a table showing the average annual rates for various forms of coverage, including collision coverage.

U.S. Average Annual Auto Insurance Rates by Coverage Type
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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Look at full coverage. This is what you’ll need, because not only will you be on the right side of the law, you’ll also have coverage for incidents like hitting a pole. Let’s take a look at a video further explaining collision coverage and why you need it.

Will my car insurance cover me if I hit a pole? Yes, but how much?

How much does insurance go up after hitting a pole?

This is where being at-fault comes into play. If you hit a pole out of negligence, you can absolutely bet your premium will be hiked. In fact, you can expect your premium to rise by about $500 per year for about three years just as you would see them rise if you hit someone else’s vehicle out of negligence.

If you are not at fault, what you will have to pay is your deductible. Suppose you have a $500 deductible and the total cost of the damage is $3,000. This means you will still have to pay the $500, but only the $500. This is the benefit of collision coverage. Without it, you would be paying the $3,000 out of pocket.

Should I file a claim if I hit a pole?

Here’s the thing, say you back into a pole. It’s your fault and you know that filing a claim would raise your premium. If the damage doesn’t look too extreme, find out how much it would be to fix your automobile. With that being said, always inform the police when something like this occurs, no matter what.

If the total amount of damage is less than $1,000, for instance, you’re probably better off just paying for the damage out of pocket as opposed to the $500 deductible and increased premium for the next few years. All in all, it’s situational.

Ready to shop for auto insurance? Get started by typing your ZIP code into our helpful tool below to find reasonable rates for collision coverage in your area. Which auto insurance company is for you? Find out now.

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Frequently Asked Questions: Does auto insurance cover if you hit a pole?

Does car insurance cover if you hit a pole? You should now know the answer to this, but if you have any other questions, take a look at some commonly asked ones below.

#1 – Is backing into a pole considered an accident and what happens if you hit a telephone pole?

It usually is, but keep in mind that if intoxication is involved it will not be viewed as an accident. Either way, if you hit a telephone pole, you will have to pay the city for the damages.

#2 – Will my insurance go up if I hit a wall?

It is situationally dependent. If you hydroplane and hit a wall, it’s an accident and you should not expect your premium to rise.

#3 – What happens if you hit a lamppost?

You will most likely be held liable for the cost of repair to the lamppost.

#4 – Does homeowner insurance go up if you file a claim and, if so, how much does your homeowners insurance go up after a claim?

Contrary to popular belief, no, a filed claim does not automatically result in homeowners insurance rising in cost. However, it is common for a single claim to raise home insurance by as much as seven to 10 percent.

#5 – Does a total loss affect credit and should you switch insurance after an accident?

In terms of credit, it depends on whether or not the vehicle is paid off. You can switch insurance providers, but financially it may not be worth it. If you don’t think the service you’re getting is on par with what you deserve, measure that and the financial rates being offered with those of other insurers.

#6 – What makes your insurance go up?

Usually, at-fault auto accidents and traffic violations are the primary causes.

#7 – Is it better to pay out of pocket or use insurance?

You should always use insurance for claims that involve other people or other vehicles.

#8 – What should I do if I hit a tree?

If you hit a tree, see the above advice about hitting a pole. If you have a tree branch fall on your vehicle, this would fall under comprehensive coverage.

#9 – Does collision cover hitting a tree?

Yes, just like hitting a pole.

#10– How long does it take for accidents to fall off your record?

On average, it will take about three years for an accident to fall off of your record.

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