Covering damage to your vehicle after an accident
Collision insurance helps pay to repair or replace your vehicle if it is damaged in a collision with another car or object, regardless of who is at fault. This includes accidents such as hitting another vehicle, a tree, a guardrail, or rolling over.
What does collision insurance cover?
- Damage to your car from collisions with other vehicles or objects
- Repairs or replacement costs up to your vehicle’s actual cash value
- Deductible applies, which you choose when purchasing your policy
Collision insurance is optional but highly recommended, especially if you have a newer or valuable vehicle.
Why is collision insurance important?
If you’re involved in an accident that damages your car, collision coverage helps cover the repair or replacement costs. Without it, you would need to pay these expenses out-of-pocket.
Choosing the Right Plan for You
Not all health plans are created equal. Factors like monthly premiums, deductibles, co-pays, and provider networks can dramatically change how much you pay—and how much freedom you have when choosing doctors or hospitals.
When comparing plans, consider:
- Your current health and medical history
- Preferred doctors and hospitals
- Prescription drug needs
- Budget for monthly premiums vs. out-of-pocket costs
- Whether you want a plan for just you or your whole family
A licensed agent can help you sort through the options and explain terms like HMO, PPO, deductible, coinsurance, and out-of-pocket maximums in simple, everyday language.
