What is Collision Insurance Coverage | AAA Auto Insurance

With more than 7 million car crashes in the U.S. every year, you ’ re right to be wondering if you ‘re in full covered by your car insurance. If your vehicle is damaged in an accident—whether it ’ s a fender curve or a crash into a tree, fence, or another object—collision coverage offers peace of mind no matter who ’ mho at blame .

What is collision insurance?

If you ’ re involved in an accident, collision coverage can help cover the monetary value of repairing or replacing your vehicle, no matter who was at mistake .
collision indemnity is different than indebtedness coverage, which only covers expenses if another driver is at fault—and if that driver is carrying adequate indebtedness coverage to pay for your repairs .

What does collision insurance usually cover?

collision insurance typically covers price to your car caused by :

  • an accident with another car, whether or not you ’ re at mistake
  • hitting an aim such as a wall, pole, or tree

What doesn’t collision insurance cover?

collision policy does not cover aesculapian bills, damage to another person ’ second fomite, or wrong caused by :

  • storms, hurricanes, hail, tornadoes, and earthquakes
  • flood
  • fire
  • explosion
  • falling objects
  • larceny and vandalism
  • riots, civil disobedience, and acts of terrorism
  • hitting an animal, such as a deer

While collision policy doesn ’ metric ton cover damage from these causes, comprehensive coverage often does .

How does collision insurance work?

When you purchase collision insurance, it will be combined with your liability coverage. generally, the better your drive read is, the lower your collision insurance premium will be. The type of vehicle you drive besides affects your rate : If you have an expensive sports car, for exemplar, your premium will be higher than person who drives a more virtual fomite. Your deductible—the dollar total you pay for repairs before your insurance kicks in—will besides affect your premium monetary value. Deductibles are typically $ 250, $ 500, or $ 1,000. Agreeing to a higher deductible will lower your premium .
Like all car coverage, your collision policy has a payout limit. It typically pays up to the cash rate of your car at the time of your accident .

Why should I buy collision insurance?

Everyone makes mistakes. few things are more torment than crashing your own car, and an accident may damage your vehicle beyond compensate. If that were to happen, could you afford to replace it ? Collision coverage will pay to repair or replace your car so you can get back on the road .
It ’ randomness besides another layer of protection for your fomite, and if you haven ’ thymine had many accidents, it can be cheap. If you have a loan on your car, your lender may require collision coverage .
AAA offers car insurance including collision coverage, with driver discounts to save you money. When you sign up for AAA car indemnity, you ’ re signing up with a company with more than 100 years of experience protecting drivers. AAA ’ south friendly, knowledgeable agents are dedicated to helping clients like you.

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*The handiness, qualifications, and amounts of coverages, costs and discounts may vary from country to state and there may be coverages and discounts not listed here. In addition, early terms, conditions, and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your AAA agent. insurance products in California offered by AAA Northern California Insurance Agency. License # 0175868, in Nevada by AAA Nevada and in Utah by AAA Utah. insurance provided by CSAA Insurance Group, a AAA insurance company .

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