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By clicking the button above, I hereby consent to receive marketing communications via autodialed and/or pre-recorded calls, text messages/picture text messages, and/or emails from the agents of one or more of our marketing partners at the phone number provided above, including wireless numbers, if applicable, even if I have previously registered the provided number on the Do Not Call Registry. I understand that consent is not a condition to receive quotes. To receive quotes without providing consent, please call 1-855-210-8720. Carrier data rates may apply.
By clicking the button above, I represent that I am 18+ years of age. I agree to the Privacy Policy and Terms & Conditions. If you are 18+ years of age and wish to receive a quote without agreeing to the Terms and Conditions and Privacy Policy, please call 1-855-210-8720.
By clicking the button above, I hereby consent to receive marketing communications via autodialed and/or pre-recorded calls, text messages/picture text messages, and/or emails from the agents of one or more of our marketing partners at the phone number provided above, including wireless numbers, if applicable, even if I have previously registered the provided number on the Do Not Call Registry. I understand that consent is not a condition to receive quotes. To receive quotes without providing consent, please call 1-855-210-8720. Carrier data rates may apply.
Collision insurance is a type of auto insurance that covers any damage done to your vehicle after an accident which the driver is at fault or they have no idea who caused the accident. For instance, suppose you are driving along a back road then suddenly you lose control and slam into a tree. No one is harmed- but the vehicle suffers significant damage to the front end. In such a case, collision coverage pays for the repairs to restore the vehicle to its original condition. Suppose the same accident happened and the vehicle got totaled, collision coverage will pay the actual value of the vehicle. Without collision damage, you would have to pay for all repairs every time you get into an at-fault accident.
Whenever you get behind a wheel, there is always a chance that you will find yourself in a car crash. If your car is in an accident with another car, that is described as a collision. If the other driver caused the accident, they pay forth damages on your car using their liability insurance. If you caused the accident, your collision coverage will pay for damages on your vehicle while your liability coverage pays for the other vehicle’s damage.
Some potholes are so terrible that they can leave significant damage to your car. In such a case, the repairs are paid for by the insurance company.
Hitting a tree can cause a lot of damage to a vehicle depending on how fast it was moving before it hit the tree and how big the tree is. Collision insurance covers any damage resulting from hitting a tree. However, if a tree falls on your vehicle, this is considered a comprehensive claim and collision insurance won’t cover it.
In simple terms, hitting any inanimate object is always considered a collision. It doesn’t matter whether you slammed into the guardrail or if it just scraped some paint off; collision insurance will cover it.
Landing in a ditch may cause significant damage to your car. Dents, the earth being shoved into the undercarriage, among other forms of damage may require a trip to the mechanic. This is covered by collision insurance.
Collision insurance and deductibles
Collision insurance usually comes with a deductible. This is the amount which the insured is willing to pay out-of-pocket before the insurer pays the rest if a collision happens. The deductible is usually $500 but can be higher or lower depending on various factors. If your deductible is $500 and you have an accident needing $2000 in repairs, you pay the first $500 while the collision insurance covers the $1500.
The insurance company may choose to repair your vehicle. The repairs should be done in such a way that your vehicle returns to its original condition before the accident. The insurance company pays for the cost of full repairs minus the deductible.
Some collisions are so terrible that the car cannot be fixed. In such cases, the insurance company pays the insured the actual cash value of the vehicle minus deductibles.