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Can you still submit a car insurance claim if your speeding cause an accident?
I was speeding and lost control of my car. I hit a guard rail and need to get my car repaired. Can I still submit a claim to my insurance?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
To submit a claim in a one-car accident, you need to have
collision insurance
since you were at fault.Typically once you submit a claim, an adjuster reviews the damage and accident details. They also look at the estimates of damage from repair shops. If your claim is approved, the insurer would pay for the damage minus the deductible that comes out of your pocket.
While speeding is never advisable, full coverage is designed to protect your vehicle when you’re at fault. Your
property damage liability
will also cover the damage to the guardrail, should the town or city require it to be repaired. It’s likely your car insurance rate will also increase after the claim, so you may want to request car insurance quotes before your policy renews. To make this process as easy as possible, use the
Jerry
app. Sign up in just minutes to compare quotes from dozens of insurers and get the best rates possible.”View full answer
- Gregory R.
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