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Ask the Car Insurance Expert

My wife swiped a pole going through the drive-thru and damaged the side of my truck. What now?

Unfortunate. I hope you have collision coverage -- that will pay for the damage to your truck, minus your deductible. If you're not going to get a lot of money out of the claim after your deductible is subtracted, it may not be worth filing a claim. It's better to keep your claim record clean than to get a small amount of insurance money.

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If you don't have collision coverage, you'll have to pay the bill yourself.

Last updated: Nov. 20, 2012
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