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How does collision insurance coverage work on your auto insurance policy? This seems to be a common question form our potential policy holders. 

COLLISION COVERAGE
It's a portion of an auto insurance policy that covers the damage to the policyholder’s car from a collision.

colllision insurancee columbus ohio

Collision insurance is usually considered an optional insurance, and this is why the question of "Should I buy collision insurance on my car?" comes up often.  If you have a loan on your car your lender will make you carry collision coverage as part of your car insurance. If you want lower premiums you can always go without collision coverage all together. Remember if you do not have collision coverage and you get in to an at fault accident, then your car would not be repaired by your insurance company. If you just don't think you can afford collision coverage, you can also ask you agent about carrying a higher collision deductible to keep your premiums down.

Your collision coverage will fix your car after your deductible has been met and will give you the actual cash value minus the deductible of the car in the event of a total loss.

We recommend if your car is over $2500 in value you might want to opt for the collision coverage depending on the premium and cost of the collision coverage part of your car insurance policy. 

Common Collision deductibles are $50, $250, $500, and $1000.
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