Why Buy Collision Coverage
When it comes to paying for damage to your own cars, your first and best solution is to access your collision coverage plan. Find out why you should buy collision coverage and get quotes for car insurance.
Collision insurance covers some or your entire car repair or replacement costs if you are in an accident with another vehicle or drive into an object such as a tree, building, or lighting pole. It also covers damage from accidents where no other car or object is involved, such as if you roll over or flip your car. Collision insurance is one of five basic types of car insurance coverage.
If you wreck your own vehicle, your insurer will pay for the cost to repair the vehicle, or if the cost to repair is more than the value of the vehicle, they will pay to replace it based on its market value at the time of the accident.
This policy also pays for damage to your vehicle when another driver causes an accident. Your insurer will pay for repairs or replacement and then go seek reimbursement from the other driver’s insurance. Many drivers take advantage of this option when the at-fault driver’s insurer is being difficult to cooperate. You will ask your insurer take action in this scenario, but if you have collision coverage, you will get these benefits. Using this option should not raise your rates, since you were not at fault. Be sure to ask your insurance adjuster whether a scenario will or won’t affect your rates before choosing your course of action.
And of course, this policy pays for damages caused by flipping your own car or hitting various items. Just make sure to understand how your rates are affected after making a claim.
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<a href=”https://plus.google.com/117864810135968472275″ rel=”author” title=”blog title”>by C Gurgu</a>