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Many people assume that most car accidents involve other vehicles, but collisions with stationary objects happen more often than you might expect. Distractions, sun glare, severe weather, or vehicle malfunctions can all lead to accidents involving telephone poles, parked cars, garages, storefronts, and other fixed objects.
Auto Insurance Coverage for Stationary Object Accidents
If your vehicle strikes a stationary object, collision coverage is the portion of your auto insurance policy that typically applies. Collision insurance helps pay for damage to your vehicle after hitting objects such as guardrails, trees, poles, buildings, or parked vehicles.
Even if you are partially or fully at fault for the accident, collision coverage may still apply, as long as it is included in your policy. This coverage pays for repairs up to your policy limit after you pay your deductible.
Why These Accidents Are Often Covered
Not all accidents involving stationary objects are the result of careless driving. Drivers may swerve to avoid animals, debris, or other vehicles and end up striking a fixed object. In these situations, collision coverage helps reduce the financial burden of repairing your vehicle.
Once you pay your deductible, your insurance carrier typically covers the remaining eligible repair costs related to the accident, allowing you to get back on the road sooner.
Auto Insurance Support from The Bogden Insurance Agency
Serving Berlin, CT, the experienced professionals at The Bogden Insurance Agency are here to help. If you are reviewing your current auto insurance policy or considering new coverage, call 860-828-0310 to learn more about your options.
