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Q

If I have comprehensive car insurance, does it cover hitting another object, such as a pole?


A

Normally hitting a pole would be covered under Collision coverage not Comprehensive coverage since you collided with the pole.

The Collision portion of your Physical Damage coverages is what covers you when you have damage to your car due to your car hitting, or is hit by, another vehicle, or other object. The pole thus would count as another type of object.

Comprehensive, also known as Other Than Collision (OTC), covers your vehicle, for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals.

Both Physical Damage coverages pay to fix your vehicle less the deductible you choose.

If you only have Comprehensive coverage and not Collision than your car hitting a pole would not normally be covered. To be covered for hitting objects such as a pole, tree, etc than you need to carry Collision coverage on your vehicle.

Click here to get a low cost car insurance quote that includes both Collision and Comprehensive coverages.


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