It can be pretty embarrassing if you happen to hit a pole while you’re driving. It is important to make sure that you have the right insurance policy so that something like this is covered. Not all insurance policies cover accidents such as this and you can be on the hook for the money to have your vehicle repaired. Hitting a pole might not seem like a big deal, but if you have to make a claim it can increase your insurance premiums by quite a bit. Even if the damage is minor, if you submit a collision claim, your insurance premium is likely to increase.

If You Hit a Telephone Pole Do You Have To Pay for It?

telephone pole

In all likelihood, if you hit a telephone pole, you’re going to have to pay for a replacement pole. Poles are not cheap and the city that you live in is likely not going to cover the cost of repairs. However, whether you personally pay for it or not depends on the insurance policy that you have. There are insurance companies that will cover you if you get into a collision with an object. A telephone pole is considered to be an object. Although it might be an expensive object to hit, you should not have to pay for the whole price of the telephone pole out-of-pocket. Instead, you will have to pay your insurance deductible for a collision claim to your insurance company.

What Happens If You Hit a Pole and Leave?

If you hit a pole and leave, you have caused property damage. Although you cannot be charged with a felony hit-and-run, you could be charged with a misdemeanor hit and run. A felony hit-and-run involves injuries to others and the punishment is much more severe. This is something that you’re likely not going to have to worry about if you just happen to hit a pole and leave. However, if you do get charged with either of these crimes, you are likely going to have to pay fines and you could even face jail time. For a misdemeanor hit-and-run, jail time can last up to one year and you could face fines of up to a thousand dollars. If you commit a felony hit-and-run, your fines can be up to $10,000 and you could be in jail for multiple years.

How Much Does It Cost to Replace a Streetlight Pole?

streetlight pole

The cost of a pole really depends on the type of pole that you hit. Lumber is definitely not cheap and it is especially not cheap if you hit a large pole. Depending on what the pole is made out of, you could end up paying as little as $400 for a pole to as much as $3000 for hitting a streetlight Pole. If the pole falls and damages other things, you might even be on the hook for more. It really depends on the situation.

Do You Get a Fine for Hitting a Pole?

There is no specific fine that you get hit with if you hit a pole. However, since it is an accident, the damage is likely to be assessed and you will be expected to pay for the damages. It doesn’t matter if you hit a piece of property or if you hit a car when you are in your vehicle, you will still be held accountable for the damages. If you have collision on your vehicle, you can always make a collision claim. However, it is important to keep in mind that a collision claim is going to increase your insurance rates. If you hit a pole, you will definitely be at fault for a collision.

What Kind of Insurance Do I Need to Cover Property Damage?

Liability insurance is the type of insurance that you need in order to cover property damage. Liability is also there for you if you cause bodily injury to another person and it usually comes into play if you’re at fault in an accident. The amount of coverage that you have should surely be able to cover the price of hitting a pole. However, depending on what else was damaged in your collision, it might not be able to cover everything. Generally, insurance companies force you to have at least a couple hundred thousand dollars in liability coverage. If an injury occurs to someone in an accident that you caused, this money can disappear very fast. It really depends on the accident that you get into, and the severity of it, how much liability you need.

If I Am Hurt after Hitting a Pole, Can I Receive Compensation?

hurt

If you are injured in an accident where you are at fault, you aren’t out of luck. There are plans that you can get where you can receive compensation. Although your insurance rates might go up after making a claim it could be worth it. An accident can take a long time to recover from and it can cost you a whole lot of money as well. Different policies will pay you different amounts of money depending on your injuries. The most common policies you will see will cover you for things like medical bills, lost wages, loss of potential earnings and loss of property. It is not easy to calculate how much these things are worth. You should. however, expect to receive some compensation from your insurance company. The more severe the incident, the more you should expect to receive.

To Conclude

Hitting a pole can not only damage your vehicle, it can also damage you. It is a good idea to make sure that you have coverage for both your vehicle and for self-rehabilitation. It is important to make sure that you know how much coverage you have and what your deductible is. This will allow you to better decide whether or not you should make a claim. Hitting a pole is always considered to be a collision claim, which means that you are at fault for hitting the pole. Your car insurance premium is likely going to increase, but if you don’t have the money to fix the repairs, it could definitely be worth putting through your insurance.

Resources:

http://blogs.findlaw.com/blotter/2013/05/leaving-the-scene-of-an-accident-what-can-happen.html
https://www.dmv.org/insurance/compensation-for-auto-accident-personal-injury-claims.php
https://www.progressive.com/lifelanes/liability-coverages-explained/