Life is unpredictable. Under certain circumstances, this can be a nice thing. But when it comes to your vehicle and your own safety, unpredictability can be a big problem.

Many people may write off collision insurance as an unnecessary expense. But at Collision 24, we believe that it’s always better to be safe than sorry. That’s why we put together this article highlighting the many benefits of collision insurance for our customers in the Brockton, Randolph, and Stoughton areas.

What Is Collision Insurance?

Often times, collision insurance gets lumped in with comprehensive insurance. Otherwise, the two are treated as being interchangeable. However, there are some major differences between these types of insurance.

Comprehensive insurance covers those uncontrollable damages to your car caused by poor weather, vandalism, or other acts of nature. Break-ins are also covered by comprehensive insurance. Collision insurance, on the other hand, applies to all types of accidents. This can include:

  • Collisions with other vehicles, no matter which driver is at fault.
  • Collisions with inanimate objects (telephone poles, guard rails, buildings, etc.).
  • Rolling your vehicle due to a loss of control.

Not all accidents are avoidable. Paying the full cost of repairs can be.

The Benefits of Collision Insurance

Your money is at risk.

A car is an expensive purchase, one of the most expensive you may make in your lifetime. Are you willing to let one bad accident throw all that out the window? Without collision coverage, you may not be able to pay for repair costs. In this case, you’ll end up scrapping your vehicle, no matter how valuable it is.

With the proper insurance, you’ll only have to pay the cost of your deductible, which typically ranges from $100-$1,000. After that small investment, your insurance company could end up paying tens of thousands of dollars to get your car back in working order. Ultimately, that monthly payment could save you a ton.


It may be required.

Many lenders or leaseholders will force you to purchase collision. If you decline to pay yourself, the other party will buy a force-placed plan for you. The cost of this plan will get tacked onto your monthly payments. Unfortunately, it’ll offer less coverage and the premiums are known to cost up to five times more. In this case, it’s better just to buy the coverage yourself.


Odds are, you’ll need it eventually.

You may be saying to yourself, “I’m a safe driver. Why would I need collision coverage?” That may be true, but how can you know other drivers are as careful? Your spotless driving record may be in their hands, as research shows that the average driver will be in an accident once every ten years.

You never know what the circumstances of that one accident could be. The other driver may commit a hit-and-run, or they may not have insurance. Your car could be over 50% damaged. If that’s the case, you should be ready.

Don’t Let Yourself Be Unprepared

Ultimately, collision insurance isn’t very expensive. Especially not when you consider how much money it can save you in the future. Talk to your insurance provider about the cost of adding collision coverage to your plan, or browse online for additional quotes.

At Collision 24, we want all our customers in the Brockton, Randolph, and Stoughton areas to be prepared. Consider insuring your vehicle with collision coverage today. Contact us today for more information.