Currently in the process of shopping for auto insurance, but you're feeling confused about what kind of insurance you actually need? If so, you'll want to know more about the situations covered with collision insurance so that you can determine if it is worth it.
Rear-End Accidents
One type of accident that is very common is a rear-end accident. This is when you do not stop in time and end up hitting the vehicle in front of you from behind, which causes damage to both vehicles. Collision coverage will protect you in a rear-end accident when you are at fault, which will pay for the damage caused to your vehicle. However, it doesn't cover the damage caused to the other vehicle that you hit.
Intersection Accidents
There may be a time when you cause an accident by driving through an intersection inappropriately. This could be due to driving through a stop sign or red light and hitting a vehicle that legally had the right of way. Collision coverage will pay for the damage to your vehicle in this situation as well.
Single Vehicle Accidents
Collision coverage is designed to protect your vehicle when you cause an accident. Thankfully, this includes single-vehicle accidents as well. You'll have coverage if you end up hitting a tree, light post, or hit anything that is not another vehicle. You won't have the protection to pay for the damage that you caused to what you hit, but you'll be able to get your vehicle repaired.
In addition, you'll also have coverage for when your car is damaged when you do not hit anything at all. This includes the damage caused by driving into a ditch, or turning tightly and having your vehicle turn over. Your single-vehicle accident will not involve damage to another object, but it is still considered a single-vehicle accident that you have coverage for.
Multi-Vehicle Accidents
A multi-vehicle accident can be very complicated when determining who is at fault. Even if you were rear-ended by another vehicle, having your vehicle pushed into another vehicle can still assign you a percentage of fault. Collision coverage ensures that you can always get your vehicle repaired in a multi-vehicle accident, even if you hold partial fault in the situation.
Do you still have questions about the types of accidents that are covered with collision coverage? Reach out to an automobile insurance agent in your area for assistance.
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