WHAT IS COLLISION INSURANCE?
Collision insurance applies to damage that is sustained when an insured vehicle collides with another vehicle or inanimate object. If you're at-fault in an accident, whether it be with an object (such as a tree) or another vehicle, collision coverage is an add-on coverage that may help pay the cost of repairing or replacing your vehicle, minus the amount of your deductible.
WHAT DOES COLLISION INSURANCE COVER?
Collision coverage may help pay for repairs to or replacement of your vehicle if it's damaged in the following:
- Collision with another vehicle
- Collision with an object (such as a tree)
- A single-car accident that involves rolling or falling over
WHAT IS NOT COVERED BY COLLISION INSURANCE?
Collision coverage will not cover the following:
- Any damages to your vehicle that aren't related to driving, such as hitting an animal, theft, or hail
- Damage to another person's vehicle
- Medical bills
IS COLLISION INSURANCE REQUIRED?
Similar to comprehensive coverage, this add-on coverage must be purchased as a part of your auto insurance policy in order to cover you. If you have a loan or a lease on your vehicle, you may be required to carry both comprehensive and collision coverage to protect the loaner's interest in your vehicle. If you purchased your car, collision coverage is meant to help you with the cost of repair or replacement in the event of an unexpected loss.
Even if you consider yourself a safe driver, you may still benefit from having this added coverage included in your auto policy. Fault in an accident is not always clear cut and tends to vary by the laws in your state. Thus, by including this coverage in your auto policy, SafeAuto can further help you pay for part or all of the costs to repair your vehicle.
HOW DO I GET COLLISION COVERAGE WITH SAFEAUTO?
Answer a few questions about you, your car, and any other drivers and we will have a customized quote in less than 3 minutes. You can also get a quote online or call 1-800-SAFEAUTO to talk to one of our knowledgeable expert representatives. Once you purchase a SafeAuto insurance policy, you’ll have immediate coverage and proof of insurance.
HOW DO I DECIDE THE DEDUCTIBLE ON MY COLLISION COVERAGE?
A deductible is the amount you must pay out-of-pocket before insurance pays for any expenses, up to the policy limit. A higher deductible means you will pay more out-of-pocket when costs arise, but your monthly premium will be less. A lower deductible means you will pay less out-of-pocket when costs arise, but your monthly premium will be higher.
You should consider the cost of your vehicle and the amount you will be able to pay monthly versus the amount you will be able to pay if out-of-pocket if repairs are required.
CONDITIONS, LIMITATIONS & EXCLUSIONS:
All coverages listed above are subject to various conditions, limitations, and exclusions, all of which are described fully in the car insurance policy. It is essential to read through your policy to learn how the above coverage applies to you, and what you can do to maximize the benefit you receive. SafeAuto is available to help you customize your collision coverage at a price you can afford.