Hey all,
Auto collision insurance—what exactly does it cover? Trying to figure out if I really need it or if it’s just another extra. Would appreciate a simple breakdown of what it protects and when it comes in handy.
Thanks in advance!
1 Like
Auto collision insurance helps cover the costs of repairing or replacing your vehicle after an accident, regardless of who is at fault. Here’s an explanation of how it works:
Coverage: It pays for damage to your car caused by an accident with another vehicle or object, such as a fence or tree. It also covers single-car incidents, like as hitting a pothole or a deer.
Deductible: The amount you pay out of pocket before your insurance kicks in. For example, if you have a $500 deductible and the repair costs $4,000, you’ll pay $500 and your insurance will cover the other $3,000.
1 Like
Auto collision insurance covers damage to your vehicle resulting from a collision with another vehicle or object, regardless of fault. It pays for repairs or replacement of your car up to its actual cash value. This type of insurance is optional but recommended, especially if you want financial protection against costly repairs after an accident.
So in a case where someone hit my car in a public parking without cameras and went off without leaving their details, will my auto collision insurance cover the damages? I am honestly so frustrated, people can be so evil.