Being involved in an auto accident is stressful, but having coverage through a good insurance company can ease much of the burden. Many drivers are overwhelmed with information when they realize there are several types of insurance plans to choose from. The amount of coverage that you choose is up to you unless you’re required to have a certain level of coverage under the terms of your auto loan or lease. Collision insurance pays for any damage that your vehicle suffers after being involved in an accident. Most drivers realize the importance of this plan but don’t know what is or isn’t covered by collision insurance.
Collision 24 provides services to drivers in the areas of Brockton, Randolph, and Stoughton. Here’s a brief overview describing the basics of collision insurance. If you have additional questions about a specific plan, be sure to contact a representative with your insurance agency for more details.
What Collision Insurance Doesn’t Cover
Collision insurance was designed to cover damage sustained in an accident, but only specific types of accidents fall into this category. For instance, if your car is damaged when it’s not being driven (e.g., by a grocery cart in a parking lot), collision insurance generally won’t cover the repair costs.
However, there’s comprehensive insurance to cover other similar incidents, as well as damages caused by acts of nature, vandalism, or theft.
Collision insurance also won’t cover injuries sustained in an accident. It’s important to be sure that bodily injury liability coverage is in your plan.
What Collision Insurance Does Cover
Your first line of defense against paying for damage to your vehicle is your collision coverage. If you happen to back into a power pole at the grocery store, collision insurance has it covered. If you’re in a major accident and thousands of dollars’ worth of damage is done to your car, collision insurance will most likely cover the costs.
Collision insurance is an important part of any auto insurance plan. Collision insurance typically covers:
- Accidents where you’re not at fault
- Damages to your vehicle that you caused
- Damages to your vehicle that occurred when another authorized person was driving
- Hit-and-runs, as well as when another driver doesn’t have insurance coverage
When you’re not at fault, your insurance company might use your collision insurance coverage to pay for the damage to the vehicle and get you back on the road then seek reimbursement from the insurance company of the at-fault driver.
Car Accident Damage Repairs in Brockton, MA
If you’ve been in an accident, getting your car repaired is a top priority. At Collision 24, we work with auto insurance agencies to get you back on the road. If you would like more information, visit our services page or contact a representative with our collision center today.