What is collision coverage?

Has your car insurance agent been throwing out fancy terms like “collision” and “comprehensive” coverage? Are you crying to the heavens, “What does it all mean?!?!” Well, we’re here to help. Let’s start by explaining collision coverage.

Collision coverage is the part of your auto insurance policy that can help you pay for your car if you’re in an accident, whether that accident was your fault or not. (We won’t judge…much.)

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“But doesn’t my state require me to have insurance to cover my car?”

Not exactly.

Your state technically requires you to have car insurance. But the state minimum requirement for car insurance might only include coverage to protect the other driver if you’re in an accident.

Wait, what?

Yep. You read that correctly. Most states only require you to have a certain amount of bodily injury liability and property damage coverage in case you cause an accident. Both of these coverages can only help pay for the other person’s medical bills, vehicle damage, and your legal fees if the other driver decides to sue you.

But what about your car?

Well, if you only had the state minimum car insurance requirements, you get nothing to help repair your car. You lose. Good day, sir.

But that’s where collision coverage can come in. Yes, it will be a teensy bit more expensive than your state minimum coverage, BUT it can help you pay for the damages to your car if you collide with something. Hence the term: collision. So, it’s kinda important to think about it when you get car insurance.

As far as your injuries go, your health insurance or the medical payments portion of your car insurance could help you pay to repair your…body…if you’re in an accident. But be sure to ask your agent what exactly your policy covers before you start filing claims willy-nilly.

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If you’re a little anxious about going this extra mile for your coverage, don’t be! Our insurance agents are super nice, they can save you money on the coverage you need, and you don’t even have to talk on the phone if you don’t want to. Just hop into our LiveChat, and we’ll help you get good at car insurance!