COLLISION INSURANCE

21 Jun COLLISION INSURANCE

Everyone can have an accident. The next step is to be prepared in case of a collision, and be financially ready to deal with it. Do you want a trustworthy friend to take care of your damages and fight for you? You got us. We will take care of everything financially, while you focus on recollecting your life.

Our collision auto insurance covers damage to your vehicle caused by contact with another vehicle or object, including rollovers. Your collision coverage covers your vehicle regardless of who is at fault for the damage.

Examples of items covered by collision insurance include damages caused by:

• Hitting a tree or telephone pole
• Rolling your car
• Hitting and pothole or curb.
• Colliding with a building, for example, the drive-through window at your bank
• Backing into another car
• Being hit by another car

Collision coverage comes with a deductible, which means you are responsible for some of the initial costs to repair your vehicle. Deductibles typically range from $250 to over $1,000 (per event, not per year). If you have a $750 deductible, and the drive-thru incident causes $1,000 in damage, you will only pay $750, and your insurer will pay $250.

If another vehicle is responsible for your car’s damage, but you use your collision coverage for the claim, you still owe your deductible. However, your auto insurance company should subrogate (try to recover your repair costs from the at-fault party). If it is successful in its subrogation, your deductible may be refunded to you.

So, call us now and get a free quote for your vehicles.