Offering a summary of how adding collision coverage to your basic car insurance policy may be a smart option
Drivers who only carry liability insurance should consider adding upgrade options to their car insurance. Car insurance collision coverage can add vital protection for drivers involved in an auto accident, and there are just a few things you should know.
Liability coverage only covers the damage done to another vehicle in an accident. If your car is damaged, liability insurance will not cover any of your expenses. This is where collision coverage comes in. A collision policy will protect you and your vehicle after you are involved in the following types of accidents:
- A vehicle rollover or flip
- A collision with another vehicle
- A collision with any object
In many cases, collision coverage will protect you whether the accident is your fault or not. It may even protect you against damages caused by an uninsured driver.
The primary function of a collision policy is to pay for auto accident repair expenses. The cost of repairs can be great depending on the type of damage done in the accident. If your repairs take more than a day, may need to rent a vehicle while you wait for your car to be fixed. Some collision policies offer optional rental reimbursement, which is a great feature for drivers with just one car.
If you don't want to pay for liability and collision separately, you may want to consider a full or comprehensive car insurance coverage policy.
Collision coverage can vary depending on:
- What type of car you drive
- How long you have been driving
- What type of driving record you have
Safe drivers almost always qualify for a discount on auto insurance. You may also be able to save money if you insure your car with an agency that you already do business with. Multi-line discounts are standard for the insurance industry, so if you have a home or life insurance policy, talk to your agent about any discounts for auto coverage.
When it comes to car insurance, collision coverage can be a great source of additional protection on the road. Reply! can help by putting you in contact with local insurance professionals, today.