Collision Coverage

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COLLISION COVERAGE

WHAT IS “COLLISION COVERAGE”?

Collision auto insurance covers damage to your vehicle caused by contact with another vehicle or object, including rollovers. Your collision coverage covers you regardless of who is at fault for the damage.

WHEN DOES “COLLISION COVERAGE” APPLY?

Examples of when it applies include:

  • Hitting a tree
  • Backing into another car
  • Involved in hit-and-run

Also, you can use your collision coverage if the at-fault driver’s insurance company is slow to pay for repairs after a wreck. Your insurance will then claim the money back from the other insurance company, including any deductible paid by you, on your behalf.

Insurance companies are frequently slow responding to our client’s property damage claim. Understandably, it is very frustrating for the client. My advice has always been the same advice “I would give my Mother” if she were in this situation.

WHO PAYS FOR THE DAMAGES?

Collision coverage has a deductible, which is the amount that you have to pay out of your own pocket if there is a loss. Insurers offer different deductible amounts, but typical deductibles are: $250, $500, and $1000. The lower the deductible on your policy, you pay a higher premium.

If you have questions about your auto insurance coverage, call my office for a free consultation.

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