What is collision coverage?

One minute you're driving down the road and everything is peaceful, the radio is playing and the sun is shining. It's a beautiful day until you hear the screeching tires and...

BOOM! 

The sound of crushed metal, the breakage of glass, debris flying everywhere and you have no idea what just happened.

It had to be significant for all that noise and commotion.

Just how significant?

Your car is now totaled and you are (hopefully) standing on the side of the road wondering 

"What now?" 

INSURANCE! Hopefully you had it before this beautiful day turned bad. 

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So... what is collision coverage? 

A collision is the loss you incur when your car collides with another vehicle or object such as a telephone pole. 

When you have collision coverage added to your car insurance policy and you are involved in an accident your collision coverage will pay to fix your car subject to your deductible.

If you don’t have this optional coverage and you slide on an ice patch into a median, the damages to the car would not be covered by insurance. 

​Some may ask, 

“Okay what about my liability limits? What good are those?” 

They actually pay for your legal liability in an accident. Which means that if you cause an accident or are at-fault, you are legally liable. It will cover the bodily injuries and physical damage you caused the other person subject to your limits. 

Typically when you purchase a new car with a loan you will be required to add comprehensive and collision coverage.

​You might think they are just trying to get you to spend more money and what does the extra coverage actually do. You just learned about collision, and you can read more about comprehensive coverage here. 

I want collision coverage!!!