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or call (855) 425-8122 for free quotes

How does collision car insurance work?

Key takeaways...
  • Collision coverage offers protection if you hit another or object
  • If you drive an older car and if you do not make payments on your car, you may opt to carry only liability insurance
  • If you are at fault,  collision pays for repairs to your deductible

Collision car insurance is provided with or “conflated” with, comprehensive insurance to comprise full coverage auto insurance. Collision car insurance provides coverage in the event the vehicle is in a collision with another vehicle or any other object.

If you are in an accident, and you are at fault in the collision, your collision policy will pay for repairs to your vehicle less the cost of the deductible.

This means that if your deductible is $500 and you were at fault in an accident that caused $2000 in damages to your car, your collision policy would pay out $1500 for repairs or the replacement of your car.

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Who needs collision car insurance?

Full coverage insurance is required for those individuals who lease their cars, or for those whose cars are financed through a bank, a finance company or any other entity

Car financing companies require that both collision insurance, as well as comprehensive insurance, is carried by those who are making payments on their vehicles.

In the event of a collision, the collision policy included in your full coverage insurance would pay for the damages, ensuring that the finance or leasing company did not lose money on their property.

How does collision car insurance work?

Collision insurance, though it is conflated with a comprehensive policy, carries its own deductible.

In other words, you will have one deductible for the collision policy and another deductible for the comprehensive policy.

Full coverage insurance differs from a liability insurance company.

Liability is coverage that is provided in the event that you are at fault in an accident, or if you damage property with your car.

If you are involved in an accident and are deemed to be at fault, your liability coverage will pay for the other driver’s vehicle repairs or the property that was damaged in the accident.

If you drive an older car and if you do not make payments on your car, you may opt to carry only liability insurance.

Carrying an insurance policy, whether it be a liability only policy, or collision and comprehensive, is a smart financial decision to make sure your finances are protected in the event that you are involved in an accident.

No matter where you live or what the state’s laws mandate, making sure you have insurance is always a good idea.

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Where can I shop for collision car insurance?

Before online comparison sites, shopping around for the best insurance policies and rates was time-consuming and often confusing.

Now with the availability of online comparison sites, finding the best deal is as simple as navigating to one of the comparison sites and entering your zip code into the input box.

Start your search for the best insurance rates by studying the list of insurance providers that service your area.

You may compare the cost of various insurance companies’ rates on collision and comprehensive policies to find the best deal for your needs.

Final Words

Once you decide the type of policy you want to purchase, look into the different discounts insurance carriers offer. You may find that some companies offer several discounts that you might qualify for.

Shop around for the best rates and discounts provided by the various insurance carriers in your area to get the best policy for your budget and needs.

Auto insurance comparison sites make shopping for the best deal in auto insurance a quick and easy process.

Whether you need full coverage insurance or a liability policy, shop around and compare insurance companies that provide coverage in your area to find the best deal.

You may save hundreds of dollars per year with just a few minutes with an online comparison site.

Enter your zip code below to receive FREE and fast car insurance quotes.

Free Car Insurance Comparison

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or call (855) 425-8122 for free quotes