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Collision Coverage

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Collision covers damages to your car arising from a collision with another car or object or if your car rolls over. The insurance company will pay for the repair or replacement of your insured vehicle up to the the Actual Cash Value of the car, regardless of fault.

Although collision coverage is not required by law, most lenders will require you to purchase it to receive a car loan. Leased cars and rental cars may also require you to carry both collision and comprehensive coverage as part of your Car Insurance Policy.

Collision coverage for older cars
Older cars that have low actual cash value can have the comprehensive and collision coverage eliminated. Insurers won't pay more than the book value of your car, regardless of what it costs to repair. In the long run, the comprehensive and collision insurance could cost more than the car is worth.

Deductibles on collision coverage
You may chose to have a higher deductible for your collision coverage. Most people consider deductibles of $500 to $1000, depending on what you can afford. This is the amount that you must pay out of pocket every time you have a claim. Higher deductibles helps lower your auto insurance premiums.



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