Can I Claim Insurance If My Car Hits a Pole?
2 Answers
You can file an insurance claim if your car hits a pole. Here is relevant information about car insurance: Components: Car insurance generally includes basic insurance and additional insurance. Basic insurance is further divided into vehicle damage insurance and third-party liability insurance. Coverage details: Vehicle damage insurance covers the loss of your own vehicle; third-party liability insurance covers damages to objects other than your own vehicle, such as people, public property, or other vehicles involved in the accident; passenger liability insurance covers personal and property losses for passengers in your own vehicle; theft insurance covers compensation for your vehicle if it is stolen; no-deductible coverage ensures 100% compensation in the event of an accident.
I've had a similar experience. If your car hits a pole, you can definitely file an insurance claim, provided you have collision coverage. When I accidentally scraped against a pole and damaged the front of my car, I immediately pulled over, turned on the hazard lights, and took photos of the scene. Then I called my insurance company to report the incident, and they sent someone to inspect and confirm it was a single-vehicle accident. A few days later, I took the car to their designated repair shop. The claims process wasn't too complicated, but I had to pay the deductible portion—mine was 2,000 RMB—and the insurance covered the rest. Remember not to disturb the scene, especially if the pole is public property; in that case, you'd need to report it to the traffic police for documentation. Safety comes first—after a collision, stay calm and check the condition of both the car and yourself. Handling it this way made the insurance process smooth. Next time, I'll need to be more careful and watch the road.
