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Collision insurance full explanation

Collision insurance

What is collision insurance?

Collision insurance is automobile coverage that compensates the insured for damage to his personal car, due to the fault of the insured driver. This type of insurance is often added as an extension of the basic auto policy.

Collision insurance explained

As the name implies, the insured collision insurance is paid for the damages caused by the actual collision. Does not cover damage from theft or vandalism. It also does not cover damages paid by another driver's policy, if the other driver is at fault.

Collision coverage is very important to protect your vehicle from the financial loss that comes with physical damage to your vehicle. It is not difficult to get into an accident. When an accident occurs, there is always someone wrong, and that may be you. Collision insurance will cover collision damage to another vehicle, axle, column, handrail and most potential road hazards.

Quick Facts About Collision Insurance

  • Collision insurance can only be purchased in conjunction with general liability and coverage.
  • Collision insurance repairs damage when two vehicles collide in the car or reverse each other.
  • Collision insurance will cover damage to your vehicle if it hits the ice and slides inside a rigid object.
  • The collision covers damage to the hole.
  • Collision coverage can be expensive, but people can save on premiums by choosing $ 500 or more for a discount.

The difference between comprehensive and collision insurance

The main difference between collision and universal coverage is due to the question of what the driver controls. Collision insurance will cover events that are under the driver's control or when another vehicle collides with your vehicle. General coverage is usually found in "works of God or nature," or things that are normally out of your driving control. These could include events like the terrible deer, a severe hail storm, or car theft.

Let's use Beyond the Great Storm to clarify the differences between collision and mass. In this storm, let's think about two hypothetical events: first, a heavy telephone column was detonated and fell onto your truck, or second, it veered to avoid a tree fall and a handrail accident. In the first event, you couldn't control when and why a tree fell on your car. This type of accident will be compensated in accordance with its comprehensive policy. In the second case, he was driving, and he finally turned to the railings. This makes them a collision, and collision insurance pays for damages.