Collision insurance can be daunting. What do you need? Will they pay for your repairs? At Performance Collision Centers, we want you to make the best choice. So here is what you need to know about picking your collision insurance.
What will your insurance cover?
Collision insurance usually covers three situations. First, collisions with another vehicle are the most famous kind of collision. Second, insurance will cover collisions with objects such as trees or street poles. Lastly, single-car accidents where you did not hit anything.
What is not covered under your insurance?
Your insurance will not cover all situations on the road. For example, damage to your vehicle that did not come from driving will not be covered. This damage can include hail, floods, theft, fallen objects, and other weather-related conditions. In addition, any damage to another person’s vehicle is outside your insurance’s influence. Relatedly, collision insurance does not cover your medical bills or other people involved in the collision.
What is the deductible, and how does that affect insurance?
A deductible is an amount you will pay before coverage takes over. You can choose your deductible, and this will affect your premium. For example, if you are willing to take on more risk, you will choose a higher deductible, and your premium will be lower. On the other hand, if you want to take less financial risk, you would select a lower deductible and pay a higher premium on your insurance.
Should you get collision insurance?
In some instances, insurance may not be optional. For example, many who do not own their car will not be allowed to do so without buying insurance. In addition, leasing agents often need proof of insurance before giving you the keys. The most crucial factor to consider if it is optional is your budget. Can you handle the out-of-pocket costs after your premium? If those costs are way outside your budget, it would be wise to get collision insurance.
What do you do in the event of an accident?
If you find yourself in the event of a collision, use a repair shop you trust that works with your insurance. Well-trained technicians, customer reviews, and gut reactions will be your best indicators for the best shop. At Performance Collision Centers, we accept all insurance to get you back on the road for a simple, hassle-free, top-notch repair experience. Our experienced Gold-Class certified technicians will handle your repairs quickly and thoroughly after they explain every step of their process. Make your appointment today, so you don’t have to worry about a thing!