Collision Coverage

• 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.

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 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