If your car collides with another vehicle or object, the last thing you want to worry about is whether your auto insurance will cover it. Collision coverage differs from comprehensive coverage, which pays for accidents caused by deer and other animals. However, it can give you peace of mind if you hit a mailbox or utility pole. To better understand how this policy option protects you from accidents involving stationary objects, speak with a knowledgeable Kriener Insurance agent, serving Woodbury ,MN.
What Collision Auto Insurance Covers
Collision insurance protects you for covered damages, regardless of who caused the accident. This coverage ensures you won’t bear the full cost of repairs once you meet your deductible (the amount you must pay out of pocket before your insurance kicks in). It handles collisions as diverse as fender-benders and more severe damage if you collide with another vehicle. In inclement weather, you may skid off the road into a guard rail, pole, fence, tree, or building. These incidents are typically covered under collision auto insurance. If you flip your car or experience a hit-and-run accident, you can pay for damages under this policy.
What Collision Coverage Doesn’t Pay For
Car theft and vandalism are two events that collision insurance doesn’t cover. If someone slashes your tires or steals your vehicle, you’ll have to look for reimbursement under other coverage on your policy. Animal strikes and weather damage aren’t covered under collision insurance, either. Additionally, medical costs and some types of property damage are excluded from collision insurance because they’re handled under other coverage types. Speak with your agent to ensure your auto insurance covers these and other incidents you may experience.
Collision focuses on damages from crashes or rollovers, whether you’re at fault or not. It provides peace of mind so you can focus on recovering from the accident. Contact a licensed agent from Kriener Insurance to discuss all your auto insurance needs. We’re currently serving Woodbury, MN.
