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What Is Collision Coverage?

Collision coverage is a type of insurance that covers the cost of repairing your car in case you are involved in an accident with another car, or a collision with objects such as trees or animals. This insurance is usually required by lenders but is however optional to take.

If your car is old and worth several thousands, there is little need to go for accident policies. This is because the premiums you may have to pay may be more than the actual benefits you will get should your car get involved in an accident. Auto insurance companies are only required to provide auto cover up to the book value of the car.

If you are looking to reduce the premiums on your auto cover, you should increase your deductibles. However, it is important to stick to a deductible that you can comfortably afford to pay should you be involved in an accident.

Accident insurance covers are more ideal for those who have new or expensive cars.

 

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Car Insurance Glossary

Learn more about car insurance terms