Can I Claim Insurance If I Hit a Pole?
2 Answers
Whether you can claim insurance for hitting a pole yourself depends on whether you have purchased compulsory traffic insurance and third-party liability insurance or vehicle damage insurance. If you only have compulsory traffic insurance and third-party liability insurance, the insurance company will not compensate for hitting a pole yourself. However, if you have vehicle damage insurance, you can file a claim with the insurance company for hitting a pole. Introduction to Vehicle Damage Insurance: Vehicle damage insurance covers the cost of repairing your own car when you are at fault. If you have purchased a supplementary agreement for no deductible, you can receive almost full compensation under vehicle damage insurance. Without this agreement, the compensation is typically around 80%. Differences Between Compulsory Traffic Insurance, Third-Party Liability Insurance, and Vehicle Damage Insurance: Compulsory traffic insurance and third-party liability insurance are both designed to compensate third parties in traffic accidents. If you hit a pole yourself, the insurance company will not cover the damages. On the other hand, vehicle damage insurance is a commercial insurance that compensates for the loss or damage to the vehicle itself. Therefore, you can apply for compensation if you hit a pole.
Last time I accidentally scraped against a pillar in the neighborhood, the first thing that came to mind was insurance. Actually, as long as you have collision coverage, even hitting something yourself counts as an accident. I remember I immediately took photos of the car damage and the pillar's location, then called 122 to report it to the police. After the traffic police issued the accident report, I contacted the insurance company, and they sent someone to assess the damage. But I should remind you, it's better to handle minor scratches yourself. Once, I only spent 600 yuan on touch-up paint, but after filing an insurance claim, my premium increased by over 800 yuan the next year. You don't need to compensate for the pillar; the main thing is repairing your own car. I suggest you first check the extent of the damage; if it's over 2,000 yuan, then it might be more cost-effective to go through insurance.
