Everyone dislikes getting into an accident, but it may often feel much worse if you’ve damaged property rather than just another vehicle. First, there’s the humiliation of crashing into something that cannot move like a wall, and then you wonder what to do. You would exchange insurance information with the other driver after a collision, but does your car insurance cover hitting a wall?
It’s crucial to determine if your car insurance would cover hitting a wall, regardless of factors like sudden concentration loss, bad weather, or technical issues. The coverage type you have and the main incident will determine whether or not your car insurance can cover hitting a wall. This article addresses all of your questions about insurance coverage for hitting a wall.
Does Car Insurance Cover Hitting a Wall
Of course, car insurance can cover hitting a wall if you have the necessary coverage types. This may include collision coverage, medical payments or personal injury protection (PIP) coverage, and property damage liability coverage.
Your collision coverage may pay for repairs or replacement. Additionally, medical payments or personal injury protection (PIP) coverage might be provided if the collision causes injuries. And property damage liability insurance could also be useful if you are in charge of fixing any damage brought on by your car colliding with a wall.
Regardless of who is at fault, collision insurance covers your car from harm when it collides with another object. However, if you are at fault for the damage, liability insurance might pay for the repairs.
What If Another Car Causes Me to Hit A Wall
If another driver causes your car to collide with a wall, your insurance may cover it in various ways, depending on the circumstances and your coverage.
Hit-and-run
If your vehicle collides with a wall, you may be eligible for compensation under your optional uninsured driver policy or collision coverage, depending on your state and the specifics of the collision. If you lack specific coverage, you might have to pay out of pocket.
Other known drivers
The other driver’s liability insurance should cover the repair costs, vehicle repair, and potential injuries to you or your passengers up to the policy’s limits. If the other driver is found to be the cause of the collision, they are responsible for paying for repairs and damages up to their coverage limitations. If your car was damaged during transportation, the driver’s liability policy should cover the wall damage and other associated costs.
What Should You Do If You Hit a Wall with Your Car
Once you’ve contacted the police and ensured the safety of all involved, take photographs of the incident, including your car and the wall. Make a note of the time, date, place, and any further details. Additionally, get in touch with the owner and provide your auto insurance details if you damaged someone else’s wall.
After that, you can choose whether to file a claim for damage to your vehicle under your collision policy. Reporting the incident to your insurance can assist your provider in getting ready for a third-party liability claim from the wall’s owner or, if you own the wall, your homeowners’ insurance, even if you choose not to submit a claim.
Can You Claim On Insurance If You Hit a Wall
Filing a collision claim may not always be essential if your car collides with a wall, particularly if the damage is minimal. You are usually responsible for the damage if the collision involves just one car. Your insurance price may increase when your policy renews, even if your collision coverage pays for the repairs.
It is crucial to consider the possible influence on your auto insurance policy and the cost of the repairs on your collision deductible. You might have to pay less out of pocket if you don’t file a claim if the damage is minor.
What to Do If You Hit a Wall with Your Car
The following step is the same regardless of the extent of the damage, whether you’ve scuffed a wall’s edge and knocked a brick off, or you’ve had the bad luck to drive your car into someone else’s lawn, creating a car-shaped hole in their perimeter fence in the process.
First, if the property owner is around, stop (which isn’t difficult if you’re nose down in a flowerbed, admittedly) and let them know. Notify the police if they aren’t. You must notify your insurers after you have told the police. As was already said, you risk having your policy void if you don’t notify your insurers about any incidents.