Understanding Collision Insurance: What It Doesn't Cover

When it comes to protecting your vehicle, collision insurance is a valuable policy that can provide peace of mind in case of accidents. Although collision insurance covers a wide range of scenarios, there are important exceptions to keep in mind. Let's delve into what collision insurance does not cover to ensure you have a comprehensive understanding of your coverage.

What Collision Insurance Does Cover

Before we explore what collision insurance excludes, let's briefly touch on what it typically includes. Collision insurance is designed to cover damages to your vehicle resulting from a collision with another object, such as another vehicle or a stationary object like a tree or pole. This coverage often comes into play regardless of fault, making it a crucial component of many auto insurance policies.

What Collision Insurance Doesn't Cover

Wear and Tear

One of the key limitations of collision insurance is that it does not cover general wear and tear on your vehicle. If your vehicle experiences mechanical breakdowns, maintenance issues, or depreciation-related damages, collision insurance will not cover these costs.

Third-Party Property Damage

While collision insurance covers damages to your vehicle, it typically does not extend to cover damages to another person's property, such as their car or personal belongings.

Medical Expenses

Another important point to note is that collision insurance does not cover medical expenses resulting from an accident. For injuries sustained in a collision, you would need personal injury protection (PIP) or medical payments coverage.

Non-Collision Related Incidents

Collision insurance specifically applies to accidents involving collisions. Therefore, damages caused by non-collision-related incidents like vandalism, theft, or natural disasters are not covered under collision insurance.

Uninsured Motorist Damage

If your vehicle is damaged in a collision with an uninsured or underinsured motorist, collision insurance may not cover these costs. In such cases, uninsured/underinsured motorist coverage would be needed to protect you against these scenarios.

Conclusion

Understanding what collision insurance does not cover is just as important as knowing what it does cover. By being aware of the limitations of your policy, you can make informed decisions about your auto insurance coverage and ensure you have adequate protection in place. Remember to review your policy details carefully and consider additional coverage options to address any exclusions that may apply.

Whether you're a new driver looking to understand auto insurance or a seasoned vehicle owner seeking to brush up on policy specifics, knowing the ins and outs of collision insurance can help you navigate the road with confidence.

Make informed decisions with your collision insurance to ensure you are fully protected. Stay informed, stay safe.

Stop worryin', call GURIAN for a free consultation any time. (877) 3-GURIAN.

*Disclaimer: the information provided by this website is for informational purposes only and should not be considered legal advice or a substitute for competent legal counsel.