If I hit a pole, does my insurance cover it?

Insurance for hitting a pole is covered under collision coverage, which pays for damages caused by colliding with another car or object. You may have a deductible for any covered claim under collision coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 21, 2021

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Here's what you need to know...

  • If you hit a pole with your car, your insurance may provide coverage if you’ve selected the proper coverage option
  • Collision coverage is an optional coverage that pays for damages caused by colliding with another car or an object; a pole would be considered an object
  • For coverage to apply, you need to have selected this coverage for your car before the loss occurs
  • When you carry this coverage option, you may have a deductible for any covered claim
  • Your deductible is an agreed upon amount that you are responsible for when you file a covered claim under collision coverage

Hitting a pole can be a startling and upsetting loss, but your car insurance can help you make repairs and restore yourself to your pre-loss condition. What do you do when you hit a pole?

If you’ve chosen to purchase collision coverage for your insurance policy, then your car may be protected from collisions with other vehicles and inanimate objects.

It’s important to remember that this coverage often carries a deductible, which will be deducted from any claim settlement value.

Looking to better protect your car in case of an accident? Enter your ZIP code above and start comparing at least three to four policies to find the best auto insurance for you!

Protecting Your Vehicle Against Collision Damage

Collision coverage is one of the options you can purchase to protect your vehicle against physical damages; this coverage protects against collisions with other vehicles or inanimate objects.

Your vehicle colliding with a pole of any sort is normally considered a collision with an inanimate object, which would be covered under collision coverage.

This coverage needs to be in place before a loss occurs, because your provider is not required to cover your loss unless you have coverage before it occurs.

Collision coverage often carries a deductible, which is the amount you’re required to cover of any covered claim.

A deductible helps keep low-cost claims from being filed, which allows your provider to focus their efforts on claims that cannot be resolved without their assistance. Additionally, any claim you file under a specific coverage that carries a deductible will not be covered unless it exceeds the deductible.

It’s important to remember that collisions with animals, such as a deer or raccoon, are not covered under collision coverage.

These incidents fall under comprehensive coverage, which is sometimes called “other-than-collision” coverage. To fully cover your vehicle from physical damages, you may need to carry both comprehensive and collision coverage.

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Policy Terms For Your Collision Coverage

There are often policy terms and conditions that come along with your car insurance; your deductible is one example. However, there are other things to remember about your policy and the coverage provided.

Collision coverage does not protect you against mechanical wear-and-tear that occurs since this is considered maintenance to your car. If you do not maintain your vehicle, your insurance provider will not provide settlements to cover those expenses.

Collision coverage can be expensive compared to other options since the cost to repair and replace a vehicle can be high; the cost to repair or settle the damage caused by your collision can also be expensive.

Your deductible, as mentioned before, is a specified amount you are covering of any covered loss. The higher the deductible you select, the lower your premium often ends up being; higher deductibles mean you are covering cheaper losses on your own instead of expecting your provider to cover those losses.


Your car insurance is designed to help you recover from unexpected or high-value losses, and hitting a pole can be considered unexpected; the extent of the damage may make it high-value as well.

If you want your insurance policy to cover collisions with inanimate objects, you need to make sure to purchase collision coverage before the loss occurs.

Once a loss has occurred, your insurance provider is not obligated to provide any coverage unless you already had the proper coverage choice in place.

If you have coverage questions, questions about how the deductible works, or want to change your coverage, contact your insurance provider. They can help explain your policy in greater detail, and they may help you assess your risk factors.

Additionally, if you are concerned your provider is not offering the best coverage for your needs, you can speak to other insurance providers. Get preferably three to four coverage quotes from other providers at any time to help you compare available options and premium rates.

Enter your ZIP code below and start comparison shopping for better auto insurance rates today!

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