Will my insurance cover my wrecked vehicle?

Question

I slid off the road and slammed into a wall this morning. I drove home and didnt make a police report. Will my full coverage insurance cover me anyway?

Answer 1

If you have liability they will pay for the wall.

Your collision coverage will pay for your vehicle.

If you have rental coverage, that will pay for a rental car up to your limits.

Answer 2

The first thing the insurance company will want to know is "why didn't you file a police report?" In most states it is illegal to leave the scene of an accident when the damage is over a pre-set amount.
They will probably pay, but may cancel your policy, or place you in a very high risk category, they could also push for you to get a citation for leaving the scene.

Answer 3

Yes, they will cover you. they might request that you file a PR. they need to know where the wall is and have someone take a look at the wall. this is a possible liability exposure that they would want to address. (if they are a good company)

they might drop you, or make your insurance high enough that other companies look more inviting. they will ask "why didnt you file a PR?"

Answer 4

If you have collision insurance, you are covered for damage to your car.

Did you damage someone else's wall? If so, maybe you should make a police report.

Answer 5

If you have collision coverage, and don't have, for example, an alcohol exclusion (while you were dui), then it should cover it. You don't need a police report.

Answer 6

If you have full coverage/comprehensive it should be covered.
Of course, if weather conditions were such that travel wasnt recommended, or you were drunk or speeding, they can refuse.

How do you slide off a road and hit a wall? if your driving isnt impaired or adverse road conditions