When Does Insurance Pay for Damages After Hitting a Guardrail?

Hitting a guardrail while driving can be a shocking experience, often leading to questions about who pays for the damages. This article will explore the factors involved in determining whether your insurance will cover such incidents, including the type of coverage you have, deductibles, and other relevant circumstances.

Types of Insurance Coverage

There are two primary types of insurance coverage that determine whether your insurance will pay for damages caused by hitting a guardrail:

Collision Coverage

If you have collision coverage, your insurance should cover the damages to your vehicle regardless of fault. However, you may need to pay a deductible before your insurance covers the rest of the damages. This type of coverage is not mandatory but is recommended to protect your vehicle.

Liability Coverage

If you only have liability coverage, it typically covers damages to other vehicles or property but not your own. Liability coverage is mandatory in most states, so you will be responsible for paying for guardrail damage under this type of coverage. However, if the other party contributed to the accident, their liability insurance might also come into play.

State Laws and Accident Circumstances

State laws can significantly affect how claims are handled. Each state has specific regulations regarding insurance coverage and accident responsibility. If the accident was due to your negligence, your collision coverage would typically apply. However, if another party contributed to the accident, their liability insurance might also come into play.

Special Cases and Examples

There are special cases that can complicate the situation, such as hitting a guardrail while your engine is leaking oil. In one instance, the speaker hit their car on a guardrail, and the insurance company wanted to know if the object that hit their engine was stationary or airborne. According to the insurance company, they would not cover hitting something stationary like a guardrail but would pay for damages if the object was airborne.

The situation also involves property damage, meaning that the state will bill your insurance company for the damage you caused. When you have collision coverage, the insurance will pay for your damages, and you will pay your deductible. If you have liability coverage, it will pay for the guardrail or mailbox or whatever you hit, as liability coverage is mandatory and covers damages to third-party property.

Consulting Your Insurance Agent

It is always best to review your specific policy and consult with your insurance agent for personalized advice. They can provide guidance on the best course of action based on your specific circumstances and coverage type.

Conclusion

Hitting a guardrail involves complex factors, including the type of insurance coverage you have, deductibles, and state laws. By understanding these factors, you can better navigate the process and ensure that you are covered for any damages that occur. Always consult with your insurance agent for personalized advice.