Call Us 410-879-6383 ☰ ˟
Logo
Call Us 410-879-6383
  • Home
  • Get A Quote
    • Automobile
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Builders Risk
      • Workers Compensation Quote
    • Homeowners
    • Life
  • Customer Service
    • Automobile
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Homeowners
  • Blog
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • About Gray Insurance Group, Inc.
    • Location Map
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Workers Comp Icon

Workers Comp

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life Icon

Life

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Understanding Collision Insurance Better
WEDNESDAY, JULY 27, 2022

Understanding Collision Insurance Better

It's easy to get confused about your insurance coverage. Liability auto insurance protects you from financial loss due to an accident you cause. However, what happens if you have a collision that doesn't involve another driver? This article discusses collision insurance and how it can protect you. 

What Is Collision Insurance? 
Collision car insurance reimburses you for damage to your vehicle when the accident is deemed your fault. It doesn't include instances of vandalism and theft. If the other driver caused the accident, it excludes damage paid for by their insurance coverage. This optional coverage protects you from financial loss due to damage to your car. 

No one plans to have an accident. However, you can make sure you're covered if you do cause an accident. Whether you hit a barn, pole, or mailbox, collision auto insurance can come to the rescue. Car crash with ambulance

Fast Facts Regarding Collision Car Insurance 
Here's what you need to know about collision insurance: 

  • To buy collision insurance, you must also have liability and comprehensive car insurance. 
  • Collision insurance pays for damage caused by two cars that collide in drive or reverse. 
  • Collision insurance covers your vehicle if you slide on ice and run into a stationary object.

It also pays for damage caused by potholes. 

Comprehensive vs Collision Insurance 
Many drivers get confused between comprehensive and collision car insurance. The difference lies in what you can control. Collision insurance handles covered events that you can control and other vehicles that run into your car. 

Comprehensive coverage encompasses so-called "acts of nature." This includes things you have no control over, such as a runaway deer, a carjacking, heavy snow, or a hailstorm. 

The aftermath of a big storm illustrates the difference between these two auto insurance types. A telephone pole falls on your truck. Or you might swerve to avoid a fallen tree on the road and hit the guardrail. 

In the first scenario, you had no control over the tree that fell on your vehicle. This incident would fall under comprehensive insurance. In the second case, you had control over the car and your actions caused the accident. Even though you may not have had much choice, this scenario would fall under collision insurance. 

The main takeaway, then, is ensuring that you have the appropriate coverage to handle both these situations. Discuss your current coverage with your APA Insurance agent and find out if you have adequate collision auto insurance. 

Posted 7:02 PM

Tags: auto insurance
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

  • insurance(22)
  • coverage(18)
  • policy(13)
  • business(11)
  • commercial(9)
  • homeowners(7)
  • owners(4)
  • bop(4)
  • auto(4)
  • liability(3)
  • life(3)
  • accident(3)
  • life insurance(3)
  • car(3)
  • workers(3)
  • compensation(3)
  • auto insurance(2)
  • whole(2)
  • terms(2)
  • builders(2)
  • risk(2)
  • retirement(2)
  • workers compensation(1)
  • general(1)
  • premiums(1)
  • vehicles(1)
  • property(1)
  • claims(1)
  • employee(1)
  • benefits(1)
  • small(1)
  • costs(1)
  • homeowners insurance(1)
  • business insurance(1)

View Mobile Version

Contact Us Today!
410-879-6383

Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

432 South Main Street, Suite B
Bel Air, MD 21014

Main Office: 410-879-6383 | Fax: 410-879-6385
© Copyright. All rights reserved. | Powered by Insurance Website Builder