Understanding Collision Insurance


Understanding Collision InsuranceAccidents are scary, no doubt about it. Depending on the severity of the accident, the aftermath can sometimes be pretty horrendous. The hours spent on the phone with investigators, doctors, lawyers and of course insurance representatives can be nightmarish. But if you have collision insurance you can breathe a sigh of relief at the fact that you likely won't have to worry about high of pocket expenses, if any, when it comes to fixing your car. Collision insurance that covers your car is not part of all auto insurance policies, but it is a great idea to make it part of yours. It covers many different aspects of the accident should it be your fault or if your are involved in a wreck with an uninsured motorist.

There is a lot of damage that can occur during an accident. People, property and of course the vehicles involved can all end up wounded. If your policy includes collision insurance there is a good chance that it will cover a major portion of the repairs necessary to reconstruct your vehicle, other vehicles involved. It can also cover the medical bills for any injuries incurred if the accident was your fault, or if the other driver was uninsured. However, policies can vary greatly, so it is extremely important that you understand exactly what is covered when purchasing insurance or filing a claim following a collision.

When buying insurance make sure to have a lengthy discussion about what is covered and what isn't, especially in regard to different scenarios. While most policies will cover your car and any other vehicles involved, as well as your personal health and that the other vehicles' passengers, it will often only be up to a certain amount, called the policy limit, which is an important number to know. Be wary about stipulations surrounding collision insurance though, as some policies have certain stipulations about when a claim can be filed. For instance, one insurance company may state that collision insurance does not cover accidents that do not involve just your car and no others.

It is important that you never leave the scene of an accident before filing a police report and documenting the scene with a camera. If possible you should also gather written witness statements as these items provide evidence for your insurance company as the decision for who was at fault comes into play. After receiving quotes to have the auto body damage repaired it is about time to receive payout from your policy. This may come in one of several forms from the insurance carrier. You may receive a check made out directly to you or you will get a check in the amount of the repair estimate to provide the auto body repair shop with once repairs are complete. On some occasions you may be asked to pay for repairs out of pocket, only to be later reimbursed.

If you've been involved in an accident and need insurance repairs for your vehicle remember that you can choose the auto body repair shop of your choice! For expert auto body repair in Phoenix that will work with your insurance head to DG Auto Body. Our team will handle all the paperwork to get your car repaired quickly and correctly! Give DG a call at to request an estimate for professional collision repair in Phoenix today.

DG Auto Body Blog

Written By Brian Corey

Published By MORBiZ