Accidents happen, and sometimes they’re as simple as misjudging a turn or backing up too quickly. If you’ve ever wondered what happens if you accidentally hit a fence or mailbox, you’re not alone. For drivers in O’Neil, NE, understanding how auto insurance can help in these situations is essential to avoid unnecessary stress.
Does Auto Insurance Cover Property Damage?
Yes, most auto insurance policies include property damage liability coverage, which is designed to pay for damages to someone else’s property caused by your vehicle. For example, if you accidentally hit your neighbor’s fence or knock over a mailbox, this coverage can help pay for repairs or replacement costs. However, it’s important to note that property damage liability does not cover damage to your own vehicle.
What Should You Do After the Accident?
If you hit a fence or mailbox in O’Neil, here’s what you should do:
- Notify the Property Owner: If the fence or mailbox belongs to someone else, let them know immediately. Leaving the scene without informing the owner could lead to legal trouble.
- Document the Damage: Take photos of the damage to the property and your vehicle. This will be helpful when filing a claim with your insurance company.
- Contact Your Insurance Provider: Reach out to Anson Insurance Group, Inc. to report the incident and start the claims process.
Will Your Rates Go Up?
Whether your rates increase depends on the specifics of your policy and the circumstances of the accident. If you’re found at fault, your insurance company may adjust your premium. However, Anson Insurance Group, Inc. can help O’Neil drivers explore options to minimize rate increases and ensure they’re getting the best coverage possible.
Get the Right Coverage Today
Accidents like hitting a fence or mailbox can happen to anyone, but having the right auto insurance policy can make all the difference. Anson Insurance Group, Inc. is here to help O’Neil residents find coverage that protects them in every situation. Contact us today to learn more about your options.
Visit Anson Insurance Group, Inc. to get started on your auto insurance policy and drive with confidence in O’Neil, NE.
