Top Reasons To Pick Collision Car Insurance
Collision insurance protects you in case your car gets into a collision, whether it is with another vehicle or an object such as a fence or trash dumpster. You are also covered in case your car is parked and gets hit by another vehicle. Collision insurance covers the cost of repairs to your own vehicle, but not those of the other vehicle involved in the accident. The latter will be covered by liability coverage. Find out more top reasons to pick collision car insurance and visit our website for a free online auto insurance quote.
Collision auto insurance protects you in the following scenarios:
- Damage to your vehicle in an accident in which you are the guilty driver. The policy will pay for the damage to your vehicle (after your pay the deductible) up to the limits mentioned in the contract or, if the car is totaled and it will cost more to repair it than the current value, will replace it based on the current market value. Keep in mind that a car’s value depreciates over time.
- Damage to your car in an accident where the other party is at fault. Although the damages should be covered by the at-fault driver’s insurance, if his insurer refuses to cooperate, you can make a claim under your coverage, and your insurer will seek reimbursement from the at-fault driver’s insurer. Letting the company handle the case is more effective, since insurance companies have a wider range of resources, especially knowledgeable lawyers.
- Damage to your car from other causes. This can include theft, natural disasters, vandalism and even damage caused by an at-fault driver who is not insured. However, making a claim under these circumstances can increase your premiums. Typically those scenarios are covered by comprehensive car insurance.
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