Collision Insurance: What It Is and What It Covers

Car accidents are, unfortunately, a fairly common occurrence. Should you find yourself in a crash, you’ll be responsible for paying to have your car fixed or replaced if you don’t have collision insurance. This form of insurance is often required for those that are leasing or financing their car but optional for those that own their car outright. Unlike liability insurance, a collision policy will kick in even if you are found to be at fault.

What’s Covered By Collision Insurance

As previously mentioned, collision insurance covers the repair or replacement of your car should you be involved in an accident. In general, this type of policy applies during

  • Single-car accidents where there’s a rollover or a collision with an object such as a fence, tree, or guardrail
  • Accidents involving another car, including hit and runs

Though it may not be required, having a collision policy in place to protect against these types of situations can prevent you from paying thousands of dollars out of pocket.

What’s Not Covered By Collision Insurance

It’s important to remember that collision insurance only covers damage to your car and not injuries or damage to other vehicles or objects. Other instances where collision insurance does not apply include weather-related damage, car theft, and collision with animals. If you would like to have these events covered, you’ll need to buy comprehensive insurance as well.

Looking for a Customized Insurance Plan in Middletown, DE?

Contact Blue Hen Insurance LLC Today!

When you need peace of mind that your car is protected in the event of an accident, turn to the professionals at Blue Hen Insurance LLC. Drivers in Middletown, DE have trusted us to provide them with a personalized policy that gives them the right amount of coverage without breaking the bank. Contact our team today to receive your quote.