As the name describes, it pays for damages (or a total loss) for a covered event when your vehicle is involved in a collision. If your vehicle is involved in a covered event, your policy will pay for repairs or replacement once you\u2019ve paid the deductible.<\/p>\n

There are a fair number of events that are covered by your policy, including:<\/p>\n

A single-vehicle rollover.<\/li>\n<\/ul>\n
If your vehicle is declared a total loss, you will be compensated for the actual cash value (ACV). This amount is determined by many factors, including the age and condition, plus the mileage, of the car.<\/p>\n
What is Not Covered by Collision?<\/h3>\n
Hitting an animal, such as a spooked deer, is not covered. That is part of a comprehensive policy<\/a>, since it is considered not in your control. There are other events not covered under a collision policy, including:<\/p>\n
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Damage to your automobile that happens when you are not behind the wheel.<\/li>\n
Damage to anybody else\u2019s vehicle.<\/li>\n
Medical costs for anybody, including you.<\/li>\n<\/ul>\n <\/div>\n \n\n\n
What is the Difference Between Collision and Comprehensive?<\/h2>\n
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Collision coverage provides financial protection in case of damage caused to your vehicle due to a collision with another object, except when an animal runs in front of you. This coverage helps pay for the necessary repairs to your vehicle. On the other hand, comprehensive coverage offers protection in instances where an event out of your control leads to damage to your vehicle, such as theft, natural disasters, or animal strikes. Comprehensive coverage also replaces your vehicle if it is stolen.<\/p>\n
In both types of car insurance coverage<\/a>, it doesn\u2019t matter if you are at fault or not for your insurance company to pay out.<\/p>\n <\/div>\n \n\n
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Do I Need to Purchase Collision?<\/h2>\n
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Deciding whether you need a particular type of coverage depends on your unique situation. If you own your vehicle outright, but it has a much higher value than the premium, it might be a good idea. Most drivers choose to carry collision as part of the full coverage package, meaning in combination with their required liability insurance<\/a> and comprehensive. If your vehicle is older, it may not be worth it. A rule of thumb is if your car\u2019s current market value is less than four times your premium, it may not be worth it to carry the coverage.<\/p>\n
As always, the welcoming professionals at Acceptance Insurance can help you decide the best coverage for the best price.<\/p>\n <\/div>\n \n\n\n
When Does Collision Not Make Sense?<\/h2>\n
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The average annual cost of collision is around $350. It will be more or less depending on the state where you live, as well as your own history. A good rule of thumb is if your car\u2019s value is less than 4 times the amount of your premium, you should consider dropping the coverage and paying out of pocket. However, if you cannot comfortably come up with the repair amount, you may feel better knowing you are protected.<\/p>\n
This is where you need a good insurance agent. We can help you decide what coverage you need, as well as give you options on cost.<\/p>\n <\/div>\n \n\n <\/div>\n <\/div>\n<\/div>\n\n\n
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Types of Auto Insurance Coverage<\/h2>\n
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Bad Credit<\/a><\/span><\/div>\n <\/li>\n
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High Risk<\/a><\/span><\/div>\n <\/li>\n
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Liability<\/a><\/span><\/div>\n <\/li>\n
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Non-Owner<\/a><\/span><\/div>\n <\/li>\n
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Non-Standard<\/a><\/span><\/div>\n <\/li>\n
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Senior<\/a><\/span><\/div>\n <\/li>\n
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SR-22<\/a><\/span><\/div>\n <\/li>\n
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Teenager<\/a><\/span><\/div>\n <\/li>\n <\/ul>\n <\/div>\n <\/div>\n<\/div>\n\n\n
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Will a DUI Affect a Collision Claim?<\/h2>\n
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Typically not, but you should check with your agent to make sure. Some insurers believe getting behind the wheel while intoxicated is an \u201cintentional\u201d act and insurance companies do not pay out for intentional acts. Anything that happens while you are driving drunk falls into a grey area and can be determined based on your insurer and the facts of the situation. If you are convicted of DUI, you\u2019ll want to shop for affordable SR-22 insurance<\/a>.<\/p>\n <\/div>\n \n\n <\/div>\n <\/div>\n<\/div>\n\n\n\n
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Get Affordable Collision Car Insurance Today<\/h2>\n
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We understand you want the best and most affordable protection you can get when driving. Our local agents are knowledgeable about state requirements, as well as how to determine what works best for your unique situation. If you are looking for affordable, customized auto insurance solutions, reach out for a free car insurance quote online<\/a>, give us a call at 877-405-7102<\/a> or stop by one of our convenient locations<\/a>.<\/p>\n \n <\/div>\n
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