Does Car Insurance Cover Hitting A Wall In Branson, MO?

Blake RobbinsUnderstanding Insurance

Car insurance for car hitting a wall in Branson, MO

Picture this: you’re driving through the picturesque streets of Branson, Missouri, soaking in the sights and sounds of this charming city. Suddenly, a momentary lapse in concentration, and before you know it, you’ve collided with a wall.

It’s a scenario that no driver wants to experience, but accidents can happen to even the most cautious of drivers. In such a situation, one of the first questions that may come to mind is whether your car insurance will cover the damages incurred.

In this blog post, we’ll delve into the specifics of car insurance coverage in Branson, MO, particularly regarding accidents involving hitting a wall.

Understanding Car Insurance Coverage:

Before diving into the specifics of coverage for collisions involving walls, it’s essential to understand the basics of car insurance. Car insurance policies generally consist of different types of coverage, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage.

Liability coverage is designed to address damages to other vehicles and property if you’re found at fault in an accident. On the contrary, collision coverage steps in to cover the cost of repairs to your vehicle in the event of a collision, regardless of fault. Comprehensive coverage, however, extends to damages caused by events other than collisions, such as theft, vandalism, or natural disasters.

So, when considering whether car insurance will cover hitting a wall in Branson, MO, it’s crucial to understand which types of coverage you have in your policy and how they apply to different scenarios.

While liability coverage may come into play if you’re at fault for the accident and damage someone else’s property, collision coverage is more directly relevant to cover the damages to your vehicle resulting from hitting a wall. Similarly, comprehensive coverage may be applicable if a non-collision event, such as a fallen tree branch causes the damage.

Does Car Insurance Cover Hitting a Wall?

a car crashed into a wall
Now, let’s address the central question: does car insurance cover hitting a wall in Branson, MO? The answer depends on the specific details of your insurance policy and the circumstances surrounding the accident.

If you have collision coverage as part of your car insurance policy, hitting a wall would likely be covered under this provision. Collision coverage is designed to pay for damages to your vehicle resulting from collisions with other objects, including walls, fences, or barriers.

However, it’s important to note that collision coverage typically comes with a deductible, which is the amount you’re responsible for paying out of pocket before your insurance coverage kicks in. The specific deductible amount will vary depending on your policy, so it’s essential to review your policy documents or consult with your insurance provider to understand your coverage fully.

If you don’t have collision coverage, you may still be covered for damages resulting from hitting a wall under comprehensive coverage, depending on the circumstances. For example, if the accident was caused by a non-collision event, such as swerving to avoid an animal or a falling tree branch, comprehensive coverage may apply.

It’s worth mentioning that if you’re found to be at fault in the accident, your liability coverage may also come into play to cover damages to the property owner’s wall or any other property damaged due to the collision.

Steps to Take After Hitting a Wall:

Regardless of your assumptions about insurance coverage, it’s imperative to take specific steps after colliding with a wall in Branson, MO. Here’s a comprehensive guide to follow:

  1. Ensure Your Safety: Immediately prioritize your safety and that of others involved. If there are any injuries, seek medical assistance without delay.
  2. Assess the Damage: Take a moment to evaluate the extent of the damage not only to your vehicle but also to any property involved in the collision, such as the wall.
  3. Document the Incident: Capture the scene of the accident by taking clear and comprehensive photos. This should include documenting the damage to your vehicle and the wall. Exchange contact and insurance information with any other parties involved, and if possible, gather witness statements.
  4. Contact Your Insurance Provider: Notify your insurance provider of the accident as soon as possible. Furnish them with all pertinent details and documentation, including the photos you took and any witness statements you obtained.
  5. Obtain Repair Estimates: Seek out estimates for repairing the damage to your vehicle from reputable repair shops in the Branson area. This will provide you with an understanding of the costs involved in the repair process.
  6. Follow Insurance Procedures: Adhere to the procedures outlined by your insurance provider for filing a claim and getting your vehicle repaired. This may involve completing claim forms, providing additional documentation, or scheduling inspections.

By following these steps diligently, you can navigate the aftermath of the accident smoothly, ensuring that necessary actions are taken promptly and by your insurance policy. This proactive approach will not only facilitate the claims process but also contribute to a timely resolution of the situation, allowing you to resume normalcy as soon as possible.


In conclusion, whether car insurance covers hitting a wall in Branson, MO, depends on the specifics of your policy and the circumstances surrounding the accident. Collision coverage is likely to apply if you have it included in your policy, while comprehensive coverage may also come into play in certain situations.

It’s essential to review your policy documents and understand your coverage fully to ensure you’re adequately protected in the event of an accident. Additionally, following the appropriate steps after an accident can help streamline the claims process and get you back on the road as quickly as possible.

Ready to ensure you’re adequately protected on the road? Contact Robbins Insurance Group Powered by G&G Independent Insurance today for a personalized policy review!