Does insurance provide coverage if you hit a pole?

"Will my insurance cover the damage to my car? I hit a telephone pole and I didn't call the police since it was just me involved. It didn't look like there was any damage to the pole."

Answer provided by
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Emily Maracle
Answered on Jul 27, 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.
“The type of insurance you have will dictate whether your car insurance will provide coverage. If you have collision car insurance on your policy, then the damage to your vehicle will be covered.
If you only have liability car insurance, the damage to your vehicle won’t be covered. The only damage that would be covered would be any damage to the telephone pole with your property damage liability.
If you’re unsure of what coverage you have on your policy, you can reach out to your car insurance company. They’ll be able to provide you with a breakdown of your coverages.
If you don’t have coverage, you’ll need to pay for any repairs out of pocket.”
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