car collisionHave you ever bumped a curb too hard or worried about that rogue shopping cart in the parking lot? Collision damage can happen to even the most careful drivers. But what exactly does it cover, and how can you be protected? This guide will break down everything you need about collision damage and coverage.

What is Collision Damage?

Collision damage is physical harm to your car caused by a collision with another vehicle or object. This can include anything from a minor fender bender to a major accident. Common causes of collision damage include:

  • Rear-end collisions
  • Sideswipes
  • Hitting a parked car
  • Running off the road
  • Colliding with an object (e.g., mailbox, fence, animal)

What Does Collision Coverage Do?

Collision coverage is a type of car insurance that is optional. It is designed to pay for the repair or replacement of your car if it is damaged in a collision. This coverage includes the cost of repairs, regardless of who is at fault for the accident. Collision coverage can be helpful in situations where you are responsible for the accident or the other driver doesn’t have insurance.

Do I Need Collision Coverage?

Whether or not you need collision coverage depends on a few factors, such as:

  • The value of your car: If your car is older or not worth much, you may decide to forgo collision coverage.
  • Your financial situation: Collision coverage is a good idea if you can’t afford to pay for repairs out of pocket.
  • Your loan or lease: If you still owe money on your car, your lender or lessor may require you to carry collision coverage.

Here are some additional things to consider:

  • Collision coverage usually includes a deductible, which is the amount you must pay before your insurance starts covering the damages.
  • Collision coverage rates can vary depending on your car, driving record, and location.
  • You can always add or remove the collision coverage from your policy at any time.

Understanding collision damage and coverage can help you make informed decisions about your car insurance. By carefully considering your needs and budget, you can choose the right coverage to protect yourself financially in the event of an accident. If you need collision repair in Oakdale, MN, we’re here to help.