Does Car Insurance Cover Hitting a Wall? Detailed Guide

By Randy Luton | Last Updated: 05/31/2023

In 2020, more than 150 people died in an accident where their car collided with a wall. If you have collision insurance and your automobile runs into a wall, your policy can assist cover the cost of replacing or repairing it.

Your medical payments coverage or personal injury protection (PIP) may be able to give reimbursement if you or your passengers suffer injuries as a consequence of your automobile colliding with a wall. This blog will cover all your queries about insurance coverage for hitting a wall.

Which insurance provides hitting wall damage coverage?

You’ll need collision coverage to pay for the damage to your automobile if striking the wall was your fault, such as if you inadvertently reversed into one. This is because collision insurance covers accidents if your car collides with another item or vehicle.

You must submit a separate claim to your homeowner’s insurance if the wall is on your property in order for your homeowner’s insurance to cooperate with your auto insurer to pursue coverage under your auto liability policy.

What if another car causes me to hit a wall?

Depending on the situation and your coverages, there are several ways insurance coverage could apply if your automobile strikes a wall as a result of another driver.

  • A hit-and-run: Depending on your state and the details of the accident, you might be able to obtain reimbursement for damages to your car under your optional uninsured driver policy or collision coverage if an unidentified vehicle smashes yours into a wall. You could have to pay out of pocket if you don’t have certain coverages. Find out more about hit-and-run insurance.
  • The other driver is known: Up to their insurance coverage limitations, the other driver’s liability coverage should cover the cost of repairing the wall, your automobile, and any injuries to you or your passengers.

What to do if a wall is hit by your car?

  • Take pictures of the event, including your car and the wall, as soon as you have made sure everyone is okay and after you have informed the police.
  • Record the location, time, date, and any further details.
  • Get in touch with the owner and provide them with the details of your vehicle insurance if you damaged someone else’s wall after hitting it.
  • After that, you may choose if you want to file a claim with your collision insurance for automobile damage. Even if you choose not to make a claim, notifying your insurance company about the event might assist your home’s insurance—or your auto insurer, if you own the wall—get ready for a third-party liability claim that may be made by the owner of the wall.

Will my insurance go up if I hit a wall?

Yes, your insurance premium will increase in most cases after hitting a wall. But it is always better to contact your insurance company and talk to them about this before making a decision.

Is it worth filing a claim after hitting a wall?

No, it doesn’t always make sense to initiate a collision claim when your automobile runs into a wall, especially if the damage was little. In a single-vehicle collision involving a car and a wall, you’ll likely be held accountable for the damage. Therefore, even while your collision coverage could pay for the repairs, less your auto insurance deductible, you can experience a rise in your insurance price when your policy is renewed.

Compare the cost of the repairs to your collision deductible and any potential effects on the price of your car insurance. Without submitting a claim, you can pay less out of pocket if the damage to your automobile is minor.

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Editorial Guidelines: The above is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.

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Randy Luton is the Founder and CEO of RateForce. He is passionate about InsurTech services and has in-depth knowledge about the auto insurance sector of the USA.