Ask an Agent

Have a question? We're here to help.

Icon Agent
Question

Will my rates increase if I hit a fence?

I lost control of my car and ran into someones fence. Will my car insurance cover the damaged fence and will my insurance rate go up?

Apr 21, 2018 Modesto, CA

Answer
Ava Lynch

Apr 21, 2018

If you have liability coverage on your vehicle, which your state requires, the damage will be covered. However, if you file a claim you will most likely suffer a rate increase for what your car insurance company would consider an at-fault accident. In California in 2017, the average rate increase after an at-fault accident was around 39%. Now, you need to consider this over 3 years, as that's how long it will stay on your insurance record. I would recommend getting an estimate for the damage to the fence prior to taking out a claim. Then you can compare the value of the claim compared to the value of the premium increase. Whichever is less financially difficult, do that.

Related Questions
Other people are also asking...

What part of my policy covers my car if I hit a pothole?

The resulting damage from hitting a pothole is actually considered an "At Fault" accident and would be covered under the collision portion of your policy. The reason this is the case is because insurance companies expect drivers to operate their vehicles safely and watch for hazards in the road to avoid frivolous claims.
Feb 29, 2016 Santa Fe, NM

Can I get car insurance without a home address?

Unfortunately it seems like you are in a tough spot until you have moved into your new place. Lots of information is used by insurance companies to determine the rate that they will charge to insure a driver and a major factor in rating that price is your home address.
May 29, 2016 Portland, OR
See More Questions Ask a Question