Your Crash-o-Matic accident report
Crash-o-Matic
This accident requires collision coverage.
Comparison of rates for 2013 models:
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Dodge Charger SRT8 $949
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Cadillac Escalade Hybrid $805
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Nissan Altima 2.5 $612
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Ford Fusion SE $594
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Honda CR-V EX $503
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Toyota Corolla LE $502
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Toyota Camry LE $481
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Chevrolet Silverado 1500 LS $473
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Hyundai Elantra $468
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Ford F-150 XLT $443
- Data from Quadrant Information Services. Methodology
Hit something else! Start Over
CarInsurance.com commissioned Quadrant Information Services to provide auto insurance rates for more than 750 car models from six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) in 10 ZIP codes per state. Rates shown are for a selection of popular models.
Annual rates shown are based on insurance for a single, 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage and PIP or MedPay. Average rates are for comparative purposes. Actual rates will depend on individual driver factors.
When you hit a tree – or other stationary object, such as a pole – the coverage that will pay to repair your vehicle is collision. If you have only liability coverage, you will be responsible for repairing your own car.
Collision insurance pays not only when you hit another vehicle but also when you hit an object. Your claim money will be reduced by your deductible amount. If you harmed the tree that you hit, or your accident damaged any other landscaping, the owner of the property might file a claim against your property damage liability coverage.
If instead of you hitting the tree, the tree (or branch of it) fell on your car and damaged it, then it would be a comprehensive claim.
An at-fault collision claim is likely to cause your rates to rise, depending upon your insurer’s surcharge schedule. A comprehensive claim is not as likely to increase your rates, unless you have multiple claims in a short time period.
Read more: Can a homeowner make a claim if you hit his tree?
