Collision Auto Insurance

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Collision Auto Insurance Coverage Options

A collision occurs when your vehicle impacts an object. Collision auto insurance will cover the remaining costs for repair or replacement after the deductible. This coverage exists and is paid for regardless of who is at fault for the collision. This coverage is typically the bulk of your total auto insurance premium. It is highly recommended for those that own new vehicles or are in a high-risk category for accidents.

Your coverage options will also depend on the bank or lien-holder that may still technically own your vehicle. Leased vehicles are usually required to have this type of insurance. The value of this coverage should be close to the total cash value of your car, and not much less. Weigh your ability to absorb costs related to an accident to the cost of your policy payments, and then decide how much coverage you will need. Additionally, if an accident is not your fault, your insurer may try to get the other party or their insurance company to pay for the costs involved. If this happens and the amount is compensated by the other party or insurer, your deductible will be reimbursed. In this instance, your insurance company on your side to handle matters for you and are highly motivated to settle it in your favor!