Understanding Collision Coverage

Collision coverage is often overlooked as part of a solid insurance coverage plan, but that does not mean you should avoid buying a policy for your vehicle. In fact, Don Allred Insurance can help you find a good collision coverage policy in Burlington, NC.

If you are shopping for a solid collision coverage policy, here’s what you need to know about your policy.

How Collision Coverage Is Used

Collision coverage is a type of policy used to repair or replace a vehicle following damage from another vehicle, damage caused by colliding with another object, like a fence, or a vehicle rollover. Often, this type of insurance is used when another driver is not involved or when the other driver’s insurance cannot cover your damage.

How Collision Coverage Is Not Used

There are a few things that collision insurance does not cover. For example, collision coverage does not cover damage associated with weather, vandalism, or theft. Additionally, this kind of policy does not cover medical bills or damage to other vehicles.

Do You Need Collision Coverage?

Collision coverage is required in some situations. If you have a loan on a car or you are leasing a vehicle, you may be required to have this kind of policy. States do not require this kind of insurance for vehicles.

You should consider getting this kind of policy even if you are not required to if you would be unable to replace your vehicle if it were totaled. This will help you avoid being left without any kind of vehicle following an accident.

Get Collision Coverage Today

Even if you don’t worry about getting into a collision that will total your car, you should consider getting coverage. Are you still unsure? Call Don Allred Insurance to learn more about your insurance options in Burlington, NC.