| Collision What it typically covers: Damages to your insured auto that result from a collision with another object, which could include: - another car - a tree - a building Why it's important: - Unexpected repair bills might not be part of your budget - If your car is damaged beyond repair, you can recover the actual cash value, minus your deductible - It helps protect you from large repair bills What's a deductible? The amount you've agreed to pay out of your pocket before the insurance company pays for any covered losses. Choosing a higher deductible typically means your premium will be lower. Other Factors That May Affect the Limit You Choose: Age and value of your car Your ability to pay for repairs out of your own pocket The effect changing your deductible has on your premium Life Stories - Collision |