Ralph A. Schwartz, P.C.

3 reasons every driver should have collision coverage

After a car accident in Nevada, your immediate concerns are about injuries, but soon, your focus moves on to damage. If your vehicle is heavily damaged, you may be worried about repairs. What will you drive in the meantime? How will you get your vehicle operational again? What will it all cost? One way to prevent worries and concerns over affording the costs to fix damage is to have collision coverage on your auto insurance.

According to The Simple Dollar, collision coverage offers you three distinct protections. This can help prevent you from suffering financial strain due to trying to repair your vehicle.

1. It pays for damage not covered elsewhere in your policy

One example is if you are involved in a hit and run accident. In this situation, there is no other driver to take fault because they fled the scene, most likely for the purpose of avoiding liability. Your collision coverage can kick in and pay for repairs to get your vehicle back in good condition.

2. It pays for damage to your vehicle in an accident where you are at fault

If you are in a collision and it was your fault, you are stuck handling your own costs. For many people, trying to foot the repair bill can be difficult, if not impossible. To avoid being left with a huge bill you cannot afford, adding collision coverage to your insurance can offer you the financial backing you will need.

3. It pays for damage to your vehicle when you are not at fault

If you have ever been in an accident before, you know that dealing with insurance companies can be a long process. You may not have the time to wait to get your vehicle fixed. You may need it as soon as possible so you can get back to work. Things are only compounded if the other driver is uninsured. In any case, your insurance company will pay for the repairs to your vehicle and then collect from the at fault party's insurance company.

Having collision coverage can give you a peace of mind. If you get into an accident, you know you will be able to get your vehicle repaired. This lessens your stress and enables you to focus on healing from any injuries that may have occurred.

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