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What does auto collision insurance mean?


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2011-01-13 20:17:01
2011-01-13 20:17:01

Auto insurance consists of both liability insurance and physical damage coverage. Collision coverage is part of the physical damage section of an insurance policy and is designed to either repair or replace your vehicle if you are involved in an accident up to the fair market value of the vehicle. Collision will pay for both damages caused in an at-fault accident and damages caused in a not at-fault accident if the other party did not have insurance. If the other party did have insurance and they were responsible for the damages, the other party's liability insurance would pay for your vehicle damages through Property Damage coverage. You are responsible to pay for your collision deductible for at-fault accidents before a claims payout will be made.


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I don't think you can legally. If your car is still being paid for the lien holder requires the collision insurance.

Yes, absolutely it is more expensive! Collision is the more expensive part of any auto insurance policy.

Insurance companies state that the chances of being involved in an auto collision are 1 in 100. Every time you are in a vehicle there is a chance of being involved in a collision.

Only if it was caused by a collision or sabotage.

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A car wreck or car accident.

That you've been in an auto collision?

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Covers medical expensives for you and passengers, will cover damages if other driver who is at fault doesnt have insurance.

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Teens are new to the road so insurance companies believe that teens are more likely to be in a traffic accident/collision due to being unexperienced.

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