Auto Collision Coverage in Salt Lake City, UT

Know you’re taken care of when you have auto collision coverage that protects your vehicle and fits your budget.

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Auto collision coverage  is an important part of your car insurance policy, and it may be required if you’re financing a vehicle. However, there are several things to consider about this type of coverage to ensure you are protected if you’re involved in an accident. You want to make sure your vehicle can be repaired and put back in working order after a collision.

Consider the Deductible

One of the primary differences in auto collision coverage is how much you will pay for a deductible. A deductible is the portion you as the policyholder pays before the insurance carrier pays. Common limits are $250 and $500, but each carrier may offer different options. You want to think about how much you can afford if you’re involved in an accident. The amount you choose for your deductible will also impact the cost of your auto collision coverage. Salt Lake City experiences all four seasons and it would be wise to consider the risk along with the cost of the deductible.

What Your Collision Insurance Pays For

Your vehicle collision insurance kicks in when you’re involved in an accident with your vehicle. It pays for the damage to the vehicle but no other costs. Other parts of your policy will cover those expenses. The insurer will pay for repairs unless the cost is more than the value of the vehicle. If the cost of repairs is more than a certain percentage of the vehicle’s value, it will pay out the value of the vehicle for replacement.

Collision is part of what is known as full coverage, but it’s usually sold with comprehensive coverage. At Salt Lake City Insurance, we can explain the coverages to you so that they make sense. While the two types of coverage go together, they are two separate products.

You can talk to the helpful agents at Salt Lake City Insurance to find out how to get affordable auto collision insurance for your vehicle in case of an accident.

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What does collision insurance cover?
When you’re involved in an automobile collision with another vehicle or object or if your vehicle rolls over, collision coverage will save you from paying massive out of pocket costs. This comprehensive coverage helps pay for repairing or replacing your vehicle after you’re in an accident.
Does collision cover uninsured motorist?
Most collision coverage insurance plans help cover damages by uninsured motorists after an accident. You can also opt for a specific type of coverage just for uninsured/underinsured motorists for more extensive coverage to minimize costs.
Does collision insurance cover hitting a curb?
Collision coverage will help cover damages after your vehicle hits another object, including curbs. It also kicks in after colliding with fences, trees, posts and a variety of other objects.
Does collision insurance cover hit and runs?
If someone collides with your vehicle and takes off before you can get their information, damages to your car should be covered by your collision insurance policy. Whether you’re at fault or not, you’re generally still responsible for paying the deductible on your collision policy after your car is involved in a hit and run.
Does collision insurance cover the other car?
Collision insurance is meant to cover the cost of repairing or replacing your own vehicle after an accident, and it doesn’t cover these same costs for another vehicle. If you’re looking for coverage that includes the other car you collide with, that’s included in a type of automobile liability insurance that includes property damage.
Does collision cover uninsured motorist property damage?
In most situations, your collision coverage will cover damages caused by an uninsured or underinsured motorist. Some drivers still opt for adding uninsured/underinsured motorist collision coverage to their policy because it often has a lower deductible than collision coverage.
Does collision insurance cover hitting deer?
If you swerve to avoid hitting a deer and collide with another vehicle or an object, your collision coverage will help cover repair or replacement costs. On the other hand, if you’re unable to avoid hitting the deer and your vehicle is damaged, you’ll need comprehensive coverage to assist with those costs.
How much does collision insurance cover?
Each collision insurance policy is different, and the amount of coverage you get often depends on the value of your vehicle. Most collision insurance policies have a deductible of $500 or $1000. This means if your car is involved in a collision that results in $4,000 of damages to your car, you’ll pay either the $500 or $1000 deductible, and your insurance company will cover the rest of the costs.
When not to file an auto insurance claim?
Not all vehicle collisions are serious enough to call for filing an insurance claim. A good rule of thumb is to consider how much you’ll pay in rate increases after you make a claim versus how much it would cost to repair your vehicle. If paying out of pocket to cover the cost of repairs to your vehicle is less than the rate increase you face, it may be best not to file an auto insurance claim.
What does auto liability insurance cover?
When you’re at fault in an auto accident, your auto liability insurance helps cover the cost of the other driver’s property as well as their medical costs if they’re injured.

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SALT LAKE CITY INSURANCE GROUP is your best option for comprehensive and budget-friendly coverage in the area. Our fast and friendly service saves you valuable time and money in finding the coverage you require for your family, your business, and your property. Contact us now to get started.

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