Collision Coverage That Gets You Back on the Road Fast
Our collision coverage ensures your vehicle is protected from accidents, whether it’s a fender bender or a more serious crash. Drive with confidence knowing you’re covered.
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Understanding Collision Coverage
What Collision Insurance is
Collision coverage is designed to cover the cost of repairs or replacement of your vehicle following a collision, regardless of who is at fault. This type of insurance applies whether you collide with another car, an object, or experience a single car accident. While it works alongside comprehensive coverage, it is a separate entity, providing peace of mind and financial protection in the event of an accident.
What’s Covered by Collision Insurance
Accidents with Other Vehicles
Protection against damages from collisions with other cars, ensuring your vehicle is repaired or replaced.
Collisions with Objects
Covers incidents involving stationary objects like fences, posts, or buildings.
Pothole Damage
Includes coverage for damages caused by hitting potholes on the road.
Hit-and-Run Accidents
Ensures your vehicle is covered in the event of a hit-and-run, where the other driver is unidentified.
Repairs or Full Replacement
Offers financial support for repairs or full vehicle replacement up to the actual cash value.
What’s Not Covered
Excludes weather damage, theft, vandalism, hitting animals, and medical expenses, which are covered under other policies.
Weather Damage
Not included; covered by comprehensive insurance.
Theft or Vandalism
Handled by comprehensive coverage, not collision insurance.
Why Collision Coverage Matters
Secure Your Financial Future with Collision Coverage
Collision coverage is essential for safeguarding your financial well-being. Modern vehicles come with high repair costs, and even minor accidents can lead to significant expenses. By investing in collision coverage, you protect your vehicle and maintain your financial stability, ensuring you’re prepared for the unexpected.
Whether you’re leasing or financing, collision coverage is often required, reinforcing its importance. It’s a smart, practical decision that offers peace of mind, knowing you’re covered against potential damages from accidents. Protect your investment and drive with confidence.
Collision Coverage FAQs
Do I need collision coverage if my car is paid off?
While not mandatory, having collision coverage can protect you from costly repairs or replacements, ensuring peace of mind even if your car is fully owned.
How does GM Auto Insurance handle repairs?
We connect you with trusted repair shops and ensure that your vehicle is restored to its pre accident condition, using quality parts and expert service.
Will my premium increase after a collision claim?
Filing a claim may affect your premium. However, our team will work with you to explore options that minimize any potential increase.
Is collision coverage required by lenders?
Yes, most lenders require collision coverage to protect their investment in your vehicle until it is fully paid off.
What is the difference between collision and comprehensive coverage?
Collision coverage handles damages from accidents, while comprehensive covers non-collision incidents like theft or weather damage.
Protect Your Vehicle Today
Secure Your Vehicle with GM Auto Insurance
Ensure your vehicle is protected against unforeseen accidents. With GM Auto Insurance, you can drive confidently knowing you have reliable coverage. Start your journey towards peace of mind today.