Having collision insurance is the only thing that will cover you hitting pole. Collision insurance is often included in full-coverage policies, so you could also consider that route.

Does collision insurance cover hitting a pole?

The most basic form of auto insurance does not always cover hitting a pole. Drivers who hit a pole can be reimbursed by their insurers if they have a certain type of car insurance coverage. The type of coverage that will help them if they hit a pole is collision coverage.

What is considered a collision claim?

Collision and Other Situations Pays for the cost of repairing or replacing your vehicle up to the actual cash value if it’s damaged by other unexpected situations—such as falling or flying objects, vandalism, fire, theft or attempted theft, a natural disaster, or a riot or civil disobedience.

Does comprehensive cover hitting a pole?

Collision coverage is generally what you need in your car insurance policy to cover hitting a pole. Whether it’s a light post, a telephone pole, or anything else, it would be covered under collision coverage. You won’t get collision (or comprehensive) coverage with a basic insurance policy.

Should I call my insurance if I hit a pole?

If you have hit a pole, call your insurance company right away to report the damage and find out if you’re covered. Waiting to report a claim can result in denial. If you haven’t had an accident yet, take the time to find out what your current policy covers to ensure you’re protected in the future.

How much is it if you hit a power pole?

Cost: From $350 to $1,800. That’s just the pole. Add in labor and equipment costs, and it can cost as much as $3,000 to replace a pole that has been knocked down by, say, a storm or a car….How much does it cost to replace a utility pole?

When should you drop collision?

You should drop your collision insurance when your annual premium equals 10% of your car’s value. If your collision insurance costs $100 total per year, for example, drop the coverage when your car is worth $1,000 since, at that point, your insurance payments are too close to your car’s value to be worthwhile.