If you're asking, "Does insurance cover single-car accidents?" the answer depends mainly on the types of coverage included in your auto insurance policy. Single-vehicle accidents where only your car is involved are common and can happen for many reasons, such as hitting a fixed object, swerving to avoid an animal, or losing control on slick roads. To be covered for damage from these accidents, you generally need collision and comprehensive coverage.
Collision insurance covers damage resulting from crashes with objects such as guardrails, poles, or other fixed structures. In contrast, comprehensive insurance covers damage from more uncontrollable events, such as hitting a deer or theft-related incidents. Without these coverages, you'll likely need to pay for repairs out of pocket.
Common causes include distracted driving, road hazards, adverse weather, animal encounters, or mechanical failures. In many incidents, the driver is considered at fault since it's a single-vehicle event, but exceptions can apply. For example, if your car's brake failure caused the accident, the fault might lie with the manufacturer. Similarly, accidents caused by poor road maintenance or unavoidable animal crossings might not designate you as at fault.
Single-car accidents generally count as at-fault accidents, which can lead to higher insurance premiums at renewal. However, policies with accident forgiveness or that cover accidents deemed unavoidable (such as hitting a deer) may mitigate premium increases.
Have questions about your auto insurance and coverage for single-car accidents? Don't wait until it's too late. Contact us today to speak with the experts at Expert Auto Home Insurance Agency and review your policy to ensure you have the proper protections tailored to your needs.
Our knowledgeable agents will help you understand your coverage options, such as collision, comprehensive, and accident forgiveness, and guide you to the best solution to protect your vehicle and peace of mind. You can also call us directly at 310-533-6000 to get your personalized policy review.
Yes, if you have collision and/or comprehensive coverage on your policy. Liability coverage alone does not pay for your vehicle’s damage.
Liability insurance covers damages to others but not your vehicle. You would pay out of pocket for your car repairs after a single-vehicle accident.
Usually, yes, because single-vehicle accidents are often considered at fault. However, accident forgiveness or the nature of the accident may influence premium changes.
Consider comprehensive and collision coverage, review your policy with an expert, and ask about add-ons like accident forgiveness to manage risk and costs effectively.
