Accidents happen — maybe you were backing out of your driveway, misjudging a turn, or navigating a narrow rural property. Suddenly, your car bumps into a fence, leaving both vehicle and fence damaged. At that moment, you may wonder: Does car insurance cover hitting a fence? Knowing the right steps and coverage options can save you time, money, and stress.

If you’re a driver in Branson, Missouri, having the right policy matters. At RIG Powered by G&G Independent Insurance, we help local drivers understand their coverage, answer questions about at-fault accidents in Missouri, and ensure your policy protects you from common mishaps — including hitting fences, poles, or other stationary objects. Are you getting the best coverage for your needs — or just what one company offers?

What Happens If You Hit a Fence?

Hitting a fence is generally considered an at-fault accident in Missouri, meaning the driver responsible is typically liable for repairs. Even minor fence collisions can become costly if not handled properly.

Here’s what usually happens after a fence accident:

• Assess the damage: Check both your vehicle and the fence for visible harm.
• Notify the property owner: Immediate communication can prevent disputes.
• Document the scene: Take detailed photos of your car, the fence, and the surroundings.
• Report to your insurance: Contact your auto insurance agent to start the claims process.
  

Being aware that hitting a fence counts as an at-fault accident in Missouri, drivers must report it can save themselves from unexpected expenses. For more information on state requirements, visit the Missouri Department of Insurance for guidance.

 

Does Car Insurance Cover Fence Damage?

Whether your car insurance covers fence repairs depends on your coverage:

• Collision Coverage: Covers damage to your vehicle caused by hitting a fence. Without collision coverage, you’d pay for your own repairs out of pocket.
• Property Damage Liability: Pays for damage to someone else’s property, like the fence. Missouri’s at-fault system makes this essential for avoiding lawsuits or direct repair costs.
• Comprehensive Coverage: Not applicable here — this protects against theft, natural disasters, or vandalism, not driver-caused collisions.
  

Local insight: Missouri is an at-fault state, meaning the responsible driver typically covers property damage through liability insurance. Your own collision coverage handles your car repairs, while property damage liability handles the fence. For detailed guidance, contact G&G Independent Insurance to ensure your policy fully protects you.

How It Works in Branson, MO

Branson follows Missouri’s at-fault insurance rules, so the driver responsible for damage typically pays. Understanding local norms can help you navigate fence accidents smoothly:

• Promptly file a claim with your insurer to start the process.
• Document damages carefully with photos and estimates.
• Expect possible premium changes depending on the severity of the accident and your driving history.
  

Having proper coverage — including collision and property damage liability — ensures you aren’t left paying out-of-pocket. To explore your options and find car insurance quotes in Branson, MO, visit RIG powered by G&G Independent Insurance and see how local policies can protect you from unexpected costs.

What to Do After Hitting a Fence

If you’ve just hit a fence, follow these essential steps:

1. Check for injuries: Ensure everyone involved is safe and call emergency services if needed.
2. Notify the property owner: Communicate openly to avoid disputes.
3. Document the scene: Take photos of both your car and the fence from multiple angles.
4. File a police report if required: Local ordinances or the extent of damage may require documentation. Learn more from the Missouri Driver Guide.
5. Contact your insurance agent: Notify your insurance agent to guide you through the claims process.
   

Following these steps ensures the accident is handled efficiently, protects your driving record, and helps with claims approval.

How to Prevent Fence Accidents

Preventing accidents is always better than dealing with insurance claims. Keep these tips in mind:

• Drive slowly in tight spaces: Backing out of driveways and parking lots carefully reduces risk.
• Check surroundings: Use mirrors, cameras, or a spotter when maneuvering around fences.
• Maintain control in adverse weather: Rain, ice, or fog can make it easier to hit stationary objects.
• Plan your turns carefully, especially in Branson neighborhoods with narrow streets or tight rural driveways.
  

Safe driving habits, combined with proper insurance coverage, help protect both your vehicle and the property around you.

FAQ: Hitting a Fence and Your Insurance

Will my insurance go up after hitting a fence?

Possibly. Since hitting a fence is typically considered an at-fault accident, Missouri insurers track, which could slightly affect your premiums depending on your policy and driving history.

Who pays for the fence repair?

Your property damage liability coverage usually pays for repairs if you’re at fault. If you lack liability coverage, you may have to cover the cost yourself.

Do I need to report hitting a fence to my insurance?

Yes. Reporting promptly to your Insurance agent ensures proper handling of claims and protects you legally and financially.

Does hitting a fence count as an at-fault accident?

Yes. Missouri is an at-fault state, meaning the driver responsible typically pays for damages.

What to do after hitting a fence?

Check for injuries, notify the property owner, document the scene, file a police report if needed, and contact your insurance agent.

Get the Right Auto Insurance Coverage in Branson

Accidents like hitting a fence highlight why it’s important to have the right auto insurance coverage in Branson, MO. RIG, powered by G&G Independent Insurance, compares quotes from multiple carriers to help you find affordable policies tailored to your needs.

Not sure if your policy covers fence damage? Get a free quote from RIG Powered by G&G Independent Insurance today, and make sure your coverage protects you from liability, accidents, and unexpected costs. Talk to a Branson insurance expert — your fence, car, and peace of mind are worth it.