A Focus on Collision Auto Insurance

Automobile insurance is vital if you drive a vehicle, in fact a certain level of liability car insurance is likely required in the state the car is registered. Auto insurance is also a great place to save money because it comes in so many types and levels of coverage, including liability, collision, comprehensive, uninsured motorist and more. Of course this variety can be overwhelming when you are ready to buy car insurance.

Taking a closer look at collision auto insurance

Collision auto insurance pays for damages to your car in the event of an accident – either with another vehicle, an object or even if you lose of control of your auto and cause damages. Collision insurance comes with a deductible that must be paid before insurance kicks in, and a typical deductible will range from $250 to $1000. The higher the premium paid on the auto insurance, the lower the deductible. If you are not at fault in the accident the driver who was found at fault might have to cover your deductible.

Collision auto insurance helps protect your investment in a new car or an auto in very good condition, and if your car is leased or financed you will most likely be required to carry collision car insurance.

Did You Know? According to the National Association of Insurance Commissioners 72 percent of insured drivers opt for collision coverage.

Takeaways:

1. Collision care insurance covers damages to your car in the event of an accident
2. You will have to pay a deductible before collision auto insurance is applicable, and the higher your insurance premium the lower your deductible
3. If it’s determined you aren’t at fault in an accident your deductible might be covered by the at-fault driver.

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