If you want to add collision insurance to your policy, you’ll receive peace of mind that it covers damage to your vehicle hit by a stationary object or another car. However, there are some things that this insurance won’t cover. The pros at Peninsula Underwriters Insurance Agency in Gainesville, FL have put together this guide to help you understand what condition insurance is and doesn’t cover.
What Is Collision Insurance?
Collision insurance covers your car if it’s damaged by another vehicle or other object. That includes stationary objects like guard posts and fences. Collision insurance may also reimburse you for damage to your car or truck caused by unavoidable perils. If you’re looking for insurance to pay for damage resulting from a collision with a telephone pool or other objects, collision insurance can meet your needs. Typically, it pays the costs of repairing your car minus the deductible.
Things Not Covered by Collision Insurance
This insurance won’t pay for every type of collision damage. Although all policies vary, collision insurance typically doesn’t cover dings and dents from nonvehicular accidents. So, if a deer jumps in front of your truck late at night, damaging your fender, you’ll need comprehensive coverage. Similarly, it doesn’t cover events such as theft or extreme weather.
If you cause an accident resulting in damage or injury to other drivers and their passengers, it’s not covered by collision insurance. You’ll need property damage and bodily injury insurance for that. Talk to your agent about the type of insurance you’ll need to pay for injuries after a car accident (not covered by collision insurance).
Do you carry valuable equipment or belongings in your car? Collision insurance doesn’t cover personal belongings.
Talk to the Peninsula Underwriters Insurance Agency team in Gainesville, FL, about your collision insurance needs today!
