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Collision Insurance

Auto accidents can be costly. Collision insurance offers you more than peace of mind, it helps cover damages to your vehicle caused by other vehicles or objects. Avoid paying large out-of-pocket expenses for damages, that exceed your deductible.

Collision car insurance is optional; however, many lenders require it if you’re leasing or financing your car.

Be aware, you must first have comprehensive insurance coverage for your car before you can buy collision insurance.

Examples of how collision insurance can help protect you:

Your car hits a tree during a storm and needs to be repaired.
Your employee runs off the road and crashes into a ditch on the way to a customer meeting.

Collision Insurance Covers

Collision coverage helps cover damages to your car from many different accidents. Collision insurance helps with accidents that involve:

A collision with another vehicle or an object
Only your car, like a rollover accident
Someone crashing into your car
An accident in a car you’ve rented

Collision Insurance Typically Will Not Cover:

Vandalism or theft
Accidents with animals
Losses other than auto damage from a collision

To learn more about coverage options that can help repair or replace your vehicle after an accident, contact us today.

Collision Insurance FAQs

How do I know the value of my vehicle or if I need Collison Insurance?

The value of your vehicle: If your vehicle is brand new or still worth a considerable amount, collision may make sense as it can help you pay for expensive repairs or a replacement if it’s damaged.
Ability to pay out of pocket: If you couldn’t afford to pay for repairs or a replacement vehicle out of pocket, collision is worth considering for peace of mind.
Whether your vehicle is in storage: If your vehicle won’t be driven for a long period of time, such as a boat or RV, it may not be worth carrying collision while it’s in storage.

What Is the Difference Between Collision and Comprehensive Coverage?

Collision insurance helps cover the costs of repair for your car if you’re in an accident with another vehicle or an accident involving an object like a fence or a tree.

Comprehensive insurance coverage, also known as “other than collision,” is usually much less expensive and covers things like:

Theft or vandalism of your car or its parts
A tree falling on your car
A broken windshield
If you hit an animal while driving
A natural disaster like a hurricane or earthquake

Collision Insurance

Examples of how collision insurance can help protect you:

Collision Insurance Covers

Collision Insurance Typically Will Not Cover:

To learn more about coverage options that can help repair or replace your vehicle after an accident, contact us today.

Collision Insurance FAQs

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