Collision Insurance in Kansas City
Collision Insurance Quote Forms
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Collision Insurance Information
On average, there are more than 16,000 car wrecks in the U.S. every day, and each year they cost Americans over $800 billion. A lot of these costs arise from damage done to vehicles that then need repairs. The good news is that car insurance offers coverage for wreck damage in the form of collision insurance. It’s a great benefit for every driver to have behind the wheel.
Auto Insurance Discounters offers every driver top-rated policies at the lowest prices on the market. So, if you want to add collision coverage to your policy, we’ll make sure you can do so affordably. Keep reading if you want to learn more, give us a call at 866.288.6545 or get a quote on coverage of your choice.
Common Collision Insurance Questions:
What Is Collision Insurance?
Collision insurance is a policy that helps pay for collision-related incidents resulting in damage to your vehicle. This coverage isn’t required by law. You must carry the minimum amount of state-required liability coverage even if you choose not to purchase collision coverage.
Do You Need Collision Insurance?
If you financed or leased your vehicle, your lienholder requires that you purchase full coverage insurance, which includes liability, comprehensive and collision insurance. They may also require that you carry GAP insurance. Your agent can help you meet your lienholder’s requirements with a full coverage auto insurance policy.
What Does Collision Insurance Cover?
Collision insurance covers damage to the insured vehicle resulting from a collision with another vehicle or object. This policy helps pay to repair your vehicle. You are responsible for paying your deductible and the insurance company typically handles the remainder of the repair bill.
If your insurance company decides that your vehicle is a total loss, collision insurance helps replace your vehicle by paying the value of the vehicle minus your deductible at the time of the crash.
Depending on your situation, your agent may recommend that you also purchase GAP insurance. If your outstanding loan amount exceeds the payout, you may have to pay the difference out of pocket. With GAP coverage, the insurance company helps cover the difference between the total amount owed to your lienholder and your outstanding loan balance.
How the Collision Insurance Deductible Works
Your agent will help you choose a deductible amount that works with your budget. In general, choosing a higher deductible reduces your auto insurance premiums.
If your vehicle is damaged in an accident for which you are at fault, you pay your deductible before your insurance coverage kicks in. If the other driver is found to be at fault and they are properly insured, their liability insurance policy pays for your damages and you are not responsible for paying your deductible.
Contact Auto Insurance Discounters in Kansas City and Independence, Missouri, to learn more about your auto insurance options and get a personalized quote.