Everyone knows how important it is to have car insurance. Depending on the type of car and the driver, car insurance costs can range from reasonable to expensive. No matter what end of the spectrum, though, car insurance is absolutely necessary and should never be skipped. There are three main types of car insurance policies available to drivers: Liability, Collision, and Comprehensive. This blog will look at Liability and Collision coverage.
Liability is the bare-bones policy of car insurance coverage. It protects other people and their properties in the event that you cause an accident. Liability insurance will cover the cost of repairing any property damaged by an accident as well as the medical bills from resulting injuries. A liability insurance policy is made of Bodily Injury Liability and Property Damage Liability, and each state has its own minimum thresholds that cover up to a certain dollar amount medical expenses and repairs on other people’s property. If you can afford it, it’s always a good idea to purchase liability insurance that is above your state’s limit, otherwise you could be personally responsible for any claim amount exceeding the minimum threshold mandated by the state.
As the name implies, collision coverage protects your car in case you hit other vehicles, people, or non-moving objects like fences, poles, or walls. It will pay for the repairs to your car, or in the case of your car being totaled (meaning repairs would cost more than the car is worth), it will pay you the value of your car. It covers you regardless of who caused the accident, but will not cover damages sustained if you collided with an animal, so if you live in a rural area with plenty of deer you may want to opt for a comprehensive policy. If your car is older or not worth much, it doesn’t make sense to have collision coverage and you’d probably be better off with just liability insurance. Anyone with a car that is expensive or relatively new should at the very least have collision coverage.
If you find yourself in a position that requires repairs to your car, a representative from your insurance company will come to assess the damages and determine liability. After that, they’ll give you an accurate estimate on repair costs and advise you to get your car fixed at their preferred body shop. Truthfully, you can take your car to any body shop and your insurance company will cover the cost of repairs. If you’re not sure where to take your car for repairs, consider Adams Collision Service! We repair your vehicle the right way, and would never compromise its value and safety. We utilize the latest technology and equipment, and treat your vehicle as if it were our own. You won’t regret your decision to choose Adams Collision!