Car policy confusing? Ask Poli.
I hydroplaned into a guardrail — what does my policy cover?
Sliding on a wet road into a guardrail is usually a collision claim for your car. If the guardrail is damaged, the state may bill you — and that bill usually goes to your liability coverage.
1. Rainy road
2. Tires lose grip
3. Into the guardrail
4. After the slide
What filed auto forms generally say
Hitting a guardrail is normally a collision claim, even when rain caused the slide. Your collision deductible applies, and only if you carry collision coverage.
Damage to the guardrail itself is property belonging to someone else. States and towns often send a bill for repairs, which is usually handled under your liability coverage.
A single-car accident is often treated as at-fault. That can matter for your price at renewal, depending on your company and state.
Why your policy can still say something else
Whether you have collision, your deductible, and how your company rates single-car accidents all depend on your own policy and state rules.
Clauses to look for in your own document
- Part D — Collision Coverage
- Part A — Liability Coverage: Property Damage
- Deductible
- Duties After an Accident or Loss
Auto policies differ. Upload yours and Poli will show you the actual clause.
Then ask Poli: “I hydroplaned and hit a guardrail. What does my policy say?”
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PoliSays explains document wording. It is not an insurer, broker, or law firm, and nothing here is advice.