|
Taking measures to address contingencies is always a good practice, since you can never tell what could happen next, that’s why it’s very important to get collision coverage if the case that it does happen. Collision coverage when it comes to auto repair Atascadero concerns is used to cover damage sustained on one’s car through a variety of scenarios, all of which is the fault of the insured driver. Not only that, this also applies if there’s no way of telling which vehicle caused damage to the insured car. Qualified Collisions Car Crash - This is perhaps the most common scenario which qualifies as a collision where you and another vehicle are involved in an accident. If you’re the driver at fault and have collision coverage, the vehicle will be repaired under its own terms and conditions. Pot Hole – Pot holes are often very visible and can be avoided, that’s why any vehicular damage from this kind of scenario is covered by collision coverage if you choose to use it. Tree – Hitting a stationary/felled tree is considered collision, because no matter what the case may be, you’re still at-fault. The only scenario where a comprehensive claim is allowed is when a tree falls and hits your vehicle. Inanimate Objects – This is when collision occurs when hitting objects or obstacles like stop signs, mailboxes, or even buildings. The damage sustained doesn’t even come into consideration—whether it’s a small scrape or a coup de grace (which totals your vehicle), it’s still considered as a collision. Collision Coverage for Repair and Total Loss Once collision occurs, insurance companies offer two options: either your vehicle gets repaired or in case of total loss, payment of the actual monetary value of the vehicle at the time of the accident is made. If repairs can still be applied, aftermarket or used parts are used to replace damaged components of your car, since this coverage only aims to return it to its condition before the accident occurred. As for total loss, determining your car’s actual monetary value is always done in cooperation with an insurance claim adjuster, who will determine the vehicle’s value at the time collision occurred; recent car repairs and replacing of parts should be reported, with receipts being the proof it happened, because these factors can greatly affect your car’s fair market value swinging it to your favor. Conclusion Having collision coverage is one of the best things to invest on if you’re not the type that can pay for a new car immediately in case collision occurs. Just remember: for you to be determined as the cause of the accident, the insurance company must find you 51% or more “at-fault” for collision coverage to come in. This type of coverage is often accompanied with a deductible, which is first set up when you added your vehicle to your car insurance policy.
Related Articles -
windshield repair Paso Robles CA, Templeton auto repair, auto repair Atascadero,
|
