It may seem like a strange headline but this occurrence is more common than you think. In fact, you’re most likely here because you’ve found yourself in this very predicament. There are so many facets of policies obtained via auto insurance companies that it can sometimes make it hard to remember every minute detail. It’s easy to forget things such as the consequence of hitting your own car. Don’t worry, we’re here to help.
Hitting your own car can happen in a number of ways. Maybe you’re moving your significant other’s car in the driveway and accidentally side-swipe it. Or, maybe you’re test driving your friend’s new ride and accidentally ding your own car pulling back into the driveway. Whatever the reason, you shouldn’t get too stressed. Thankfully, the solution may be easier and cheaper than you were expecting.
If your policy has collision coverage then it will pay for the damages to your car. However, if you don’t have collision coverage with your policy, those repairs will have to come out of your own pocket (cue horror music). This reason and many others are why collision coverage is one of the most important policies auto insurance companies can provide.
Collision coverage protects you from a number of perils, including if you accidentally hit your own car. If you’re unsure whether or not your policy contains such coverage, speak with your provider about the policy details. Typically, collision coverage protects you from perils such as:
- Hitting a tree.
- Hitting a building.
- Rolling your car.
- Hitting a pothole or curb.
- Backing into another car.
- Being hit by another car.
If you’re still a little bit confused about the parameters of collision coverage, let me break it down in an easier way. To put it simply, this policy covers the cost of repairs or even replacement of the vehicle if it is damaged in a collision. It’s also important to be aware that this coverage includes a deductible as well.
This type of coverage is only a requirement for your vehicle if that vehicle is being financed. If not, then it is an optional form of coverage. However, whether you are required to have it or not, collision coverage is a very useful policy to have on your vehicle. In fact, it’s one of the most useful policies you can use to protect your vehicle.
Do you have any questions about the policies provided by auto insurance companies? Would you like to make sure you’re paying the best price for your coverage? Our insurance agents and customer service team are here to help with your coverage needs. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. Our offices are open from 8 a.m. to 9 p.m. CST, 7 days a week. Insurance Navy also has a strong presence on nearly all forms of social media.
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If you’d like to take a look at more blogs about proper car maintenance or coverage, we have many of them on our website. News articles and blog posts are posted through Insurance Navy on a daily basis, Monday-Friday. Consider taking a look at these insightful pieces before you leave: