Can I file a claim with my insurance if I hit a lamp post?
Can I submit a claim to my insurance if I went over a curb and hit a lamp post? My front bumper is damaged and I definitely need to get my car repaired. I was the only person involved.
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Answered on Jun 21, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Since you were the only vehicle involved in the accident, you would need to have collision car insurance on your policy. Collision insurance will cover any damage done to your vehicle if you hit another vehicle or object.
If you have collision insurance, you’ll want to call your insurance company. You’ll need to get an estimate of the cost of repairs as well. You are still responsible for your deductible when submitting a collision claim, so you’ll want to compare that with the cost of repairs.
If you don’t have collision insurance or the cost of repairs is under your deductible, you’ll need to pay out of pocket for the damages.”
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