☰ ˟
DJW Insurance Agency, Inc.
Get More Information 800.820.0004
  • Home
  • Get A Quote
    • Auto Insurance Quote
    • Business & Commercial Insurance Quote FormsImage of right arrow
      • Builders Risk
      • Business Owners (BOP) Quote Form
    • General Liability Quote
    • Homeowners Insurance Quote
    • Manufactured Home Quote
    • Windstorm Insurance Quote
    • Workers Compensation Quote
  • Products
    • Automobile
    • Business & Commercial
    • Employee Benefits
    • General Liability
    • Homeowners
    • Life
    • Personal Umbrella
  • Blog
  • Make A Payment
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Calculators
    • Insurance Glossary
  • About Us
    • About DJW Insurance Agency, Inc.
    • Our Locations
    • Employee Directory
    • Testimonials
    • Privacy Policy
  • Contact Us
    • Contact Us
    • Join our Newsletter
DJW Insurance Agency, Inc.
Insuring what matters for over 100 years
Homeowners Auto Life Business Employee Benefits
Arrow
Home > Blog > How Does Collision Auto Insurance Protect Your Vehicle?
MONDAY, JUNE 15, 2020

How Does Collision Auto Insurance Protect Your Vehicle?

Documenting Car Insurance Damage

Liability insurance covers damage to another driver's car if the accident was deemed your fault. However, collision car insurance protects your vehicle - even if you cause the accident. Your DJW Insurance agent is a great resource for the type of coverage that can most benefit your driving habits. Still, it's good to have an overview to get you started. This article discusses what collision coverage is, what it covers, and when you might benefit from purchasing it.

What Is Collision Coverage?

Collision coverage pays to fix your car if you damage it by hitting another object - such as a post, a mailbox or another vehicle. It differs from comprehensive coverage, which reimburses you for damage unrelated to collisions. With collision coverage, you receive protection even though you caused the accident.

What's Covered?

Collision auto insurance only pays for damage to your car done in a collision. If you cause an accident that damages both your vehicle and another car, your collision insurance handles repairs to your vehicle. Meanwhile, your liability property damage coverage pays for damages to the other driver's car. If another driver causes the accident, their liability insurance should pay for the damage to your vehicle.

When to Buy Collision Auto Insurance

Do you have a new car or one that costs a lot of money to fix? If so, you might decide to invest in collision insurance. For those who finance or lease a car, the lender or leasing company may require collision coverage. Even though you probably aren't legally bound to buy collision car insurance, it's a good idea to invest in it. Discuss your options with your DJW Insurance agent to get all the information you need to decide. It can provide another layer of protection to give you peace of mind on the road.

Consider Your Deductible

You typically have to pay a deductible on your collision insurance before coverage kicks in. So, if you have a $1,000 deductible and $5,000 in damage to your car, then your insurance will pay up to $4,000 for your vehicle repairs. You are responsible for paying the remaining $1,000. Damage worth less than $1,000 will not have coverage.

The deductible you choose affects what you'll pay out before your collision — and other — insurance takes effect. If you choose a large deductible, you will probably have lower premiums. Yet, you will be responsible for that amount if you get into an accident. Work with your DJW Insurance agent to determine the deductible that works best for you and your family.

Collision car insurance can make a great addition to your mandated coverage. Before you choose whether to add it to your auto policy, review your coverage with your agent.

Get A Quote

Posted 11:00 AM

Tags: auto insurance, car insurance, djw insurance agency
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2013
  • 2010

  • djw insurance agency(10)
  • auto insurance(9)
  • home insurance(7)
  • employee benefits(6)
  • car insurance(5)
  • business insurance(5)
  • commercial auto insurance(4)
  • commercial insurance(4)
  • general liability insurance(4)
  • djw insurance(3)
  • workers compensation insurance(3)
  • homeowners insurance(2)
  • health insurance(2)
  • flood insurance(2)
  • dental insurance(2)
  • windstorm insurance(1)
  • hurricane insurance(1)
  • covid-19(1)
  • disability insurance(1)
  • life insurance(1)
  • general liability(1)

View Mobile Version

Connect with us

Facebook LinkedIn Twitter
Contact Us

Check us out

105 West Main Street
New Iberia, LA 70560

Phone: 337.364.7614
Fax: 337.367.6487
© Copyright 2021. All rights reserved.
Powered by Insurance Website Builder