When you’re car gets involved in a crash or collision, you need to have a way to pay for the damages without it costing you an arm and a leg. Collision coverage in your car insurance policy does precisely this.
Damages to your car in the event of a collision will be repaired through your car insurance. A lot of states specify that the coverage is applied when you are the one at fault during the crash or accident.
This also applies even if it is unclear who caused the crash. Keep in mind that collision coverage only covers your car and not other people’s vehicles.
So what counts as a collision?
- A car crash.
If your car gets into an accident with another vehicle that counts as a collision, this scenario will apply the coverage to a minimum of one of the cars involved in the crash.
If the driver at fault doesn’t have a collision coverage policy, then, unfortunately, their car won’t be eligible for repair. Unless they pay for it using their own money.
- Pothole accident
Potholes can be avoided. For this reason, insurance providers often count a collision. When you are involved in an accident, a pothole, make sure you have collision insurance in your policy
- Crashing into a tree
The damage to your car when you hit a tree can be a major one. Keep in mind that there’s a specific difference when we talk about tree accidents. When a tree or branch falls on your car that counts in the comprehensive insurance policy.
It will only count as a collision when you are driving, and you hit a standing tree or even a fallen one before the crash.
- Crashing into inanimate objects
When you hit a stationary object, that counts as a collision. Even slamming or slightly scratching into them will count as a collision. As long as there is damage, it doesn’t matter if it’s a Guardrail, a post, a mailbox or a fence, those all count as collisions.
Landing in a ditch can cause severe damage to a car; this is why this also counts as a collision. Having dirt violently go up the undercarriage of your car results in damage that often require a quick trip to the repair shop.
Two options in collision coverage
When you have collision coverage, there are two options your provider can take. First is they can repair your vehicle if that’s not possible then you will get paid in cash in the event of a total loss.
Vehicle repairs issued by your car insurance provider will restore your car to its previous state. The parts used for repairing are used parts. If you want new parts to be used, you need a good endorsement from your provider.
During the event of a total loss, you will be contacted by an insurance claim adjuster to determine how much your car costs at the time of the crash. Recent repairs and additional modifications will be factored in when calculating the total cash value of the vehicle.