Can I claim insurance if I hit a wall while driving myself?
2 Answers
Accidentally scraping a wall while driving yourself is considered a single-vehicle accident. Call your insurance company to report the incident, and an adjuster will arrive at the scene to assess the damage, take photos, and gather evidence. If you have purchased collision insurance, the insurance company will compensate you based on the assessed damage amount and cover the repair costs, usually without requiring the policyholder to bear responsibility. Below is additional information: Incident Reporting: Call your insurance company to report the incident and follow their instructions for subsequent handling. Damage Assessment: An insurance adjuster will assist the policyholder in investigating the cause, nature, liability, and extent of the damage.
It depends on what insurance you have. If you've purchased collision coverage, the insurance company will generally cover incidents like accidentally scraping your car against a wall. However, remember to contact your insurer immediately to report the claim, clearly stating the time, location, and how the collision occurred. An adjuster will come to inspect the damage and take photos. Without this coverage, you'll have to pay for repairs out of pocket. Here's a tip: if it's just minor scratches and you don't want to file a claim, handling it yourself might be better to avoid premium increases at renewal next year. Also, regardless, after hitting a wall, it's wise to check your car's undercarriage and internal components for damage, as the impact from a wall collision can be significant.
