If I hit a guardrail, do I have to pay for it?
If you hit and damage a guardrail, your liability coverage may pay for the property damage to the guardrail, up to your policy's limit. It's best to take pictures of the damage so it can be submitted to your insurance company with the claim. The insurance company can directly pay the city for the cost to repair or replace the guardrail. You can also choose to pay for the guardrail damage out of pocket if you decide not to file a claim.
Can I leave after hitting a guardrail?
Hitting a guardrail with your car and leaving without reporting the incident could be considered a hit-and-run misdemeanor, so it's always best to stay and report the accident to the police. It's also important to carefully examine your car after hitting an object to assess the damage, take pictures, and get your car to an auto body shop if needed.
Staying at the scene could be beneficial for your claim as well — if you suspect the crash was caused by poor highway conditions or mechanical failure, for example, you'll want to gather as much evidence as possible in the immediate aftermath of the accident. Each state has its own requirements for reporting accidents, so it's important to understand the specific rules in your state.