Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Hitting a pole with your car is an unpleasant experience, but your car insurance may help you recover from the loss
  • Collision coverage, an optional coverage you can purchase, covers damage caused from colliding with cars, potholes, or other objects
  • It’s important to have collision coverage in place before the loss occurs; coverage will not apply retroactively
  • When you purchase collision coverage it often carries a deductible, which is the portion of the loss you cover

When you hit a pole with your car, it can be an upsetting event that leaves your car damaged.

However, your car insurance can help you recover quickly and easily from this loss, as long as you’ve purchased the right coverage.

Compare car insurance quotes and see how much you could save on the coverage you need. Enter your zip code above to get started.

Your Car and Collision-Related Losses

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Hitting a pole falls under collision coverage, which provides financial protection after experiencing the following:

  • Colliding with objects
  • Colliding with other cars
  • Hitting potholes
  • Flipping your car

You have to carry collision coverage on your policy to protect you from the costs of physical damages caused by hitting a pole. This optional coverage protects you from losses that occur when you collide with a car, an object, a pothole, or your car flips over.

When you collide with a pole, this loss is considered a collision and requires collision coverage in place before the loss occurs.

Your insurance provider is not required to cover losses that occur before coverage is in place.

Remember that collisions with an animal, such as a possum or deer, do not fall under collision coverage; comprehensive coverage is the optional coverage needed for this type of loss.

To protect your car from a variety of physical damage losses, you may need to carry both collision and comprehensive coverage.

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Terms and Conditions for Collision Coverage

There are always policy terms and conditions to be aware of when you purchase car insurance; the term, deductible, is a good example. When it comes to collision coverage, there are a few things to remember.

Collision coverage is designed for losses above and beyond the norm, which means that mechanical breakdown or wear-and-tear are not covered by this coverage; this is considered standard maintenance for your car.

If you fail to properly maintain your vehicle, your insurance provider will not pay to have it fixed.

This coverage option may be costly compared to other coverage choices since the financial costs to settle a collision loss are often higher than other losses.

Your collision coverage will often carry a deductible, which is the amount of any covered loss that you must cover. This amount is determined when you purchase the coverage, which means that the amount should never be a surprise.

If the value of the loss falls below your deductible, your insurance provider is not obligated to settle the claim.

Offsetting Collision Coverage Costs

There are a few ways to reduce your coverage costs when you purchase car insurance.

You can always look at quotes from three or four other providers to compare pricing and coverage choices. If you find a better deal with another company, you can change companies.

Higher deductibles mean your provider is paying out less for each claim as well as accepting claims that you truly cannot handle alone.

In many instances, the higher the deductible you choose, the lower the amount of your premium.

Your insurance policy is created to provide protection from losses that are above and beyond what you can handle alone; unexpected losses or high-value losses are an example of this.

It’s important to assess your coverage every six months, which allows you to determine if your coverage still meets your needs. Coverage for hitting a pole would fall under collision coverage, which is an optional coverage in most cases.

If you have questions about how your coverage applies to different situations, speak to your insurance provider; they are able to explain your policy in more detail.

Compare car insurance quotes today to find the best rate for the coverage you need. Just enter your zip code below to get started.