Collision Coverage in Palmdale, CA

While no one likes paying extra on auto insurance, skipping collision coverage could make you responsible for thousands of repair or replacement costs. California’s liability insurance requirements only cover damage to others, not your own vehicle. Collision coverage bridges this gap by providing financial assistance for your car in case of an accident.

What Is Auto Collision Coverage?

Auto collision insurance is a type of coverage that may pay for your vehicle’s repair or replacement costs following a collision. This coverage may apply to accidents involving other vehicles and crashes involving stationary objects like fences or mailboxes. Unlike liability insurance, which may cover damage to others, collision coverage may provide financial aid for your own vehicle following accident-related damage. It’s essential if you have a newer or more valuable car that could be expensive to repair.

How Does This Coverage Work?

Collision insurance activates when your car is damaged in an accident or a similar event. After an accident, you must file a claim with your insurance provider, who will assess the damage. You’ll then pay a deductible, which is the pre-agreed amount subtracted from the payout for repairs or replacement. For example, if repairs cost $5,000 and your deductible is $500, your insurance may cover $4,500.

How Much Is Collision Insurance?

Several factors impact collision coverage rates. Typically, insurers base your premium on factors such as the following:

• Vehicle’s make and model
• Location
• Driving record
• Deductible
• Credit history

Explore Your Options

Contact Driscoll & Driscoll Insurance Agency today to learn more about collision insurance. We’re committed to helping you choose the ideal coverage for your vehicle.

Contact Driscoll & Driscoll Insurance Agency, Inc. today to see if you qualify for, or want to learn more about Auto Insurance enhancements that can help save you money.