Why should I get collision coverage if it is not required by law under the minimum auto insurance requirements?

Life is full of expenses, and it can sometimes be difficult to figure out which expenses are really necessary.  When you get an auto insurance policy at Davidson Insurance Agency, we explain the requirements and all your options. There are a surprising number of options when choosing your plan. Driving in Evergreen, CO can be unpredictable, and you want to make sure you have a level of protection you’re comfortable with.

What Does Collision Coverage Add to Your Policy?

Minimum coverage only protects you if you are liable in an accident, and the level of protection is usually not very high. Collision coverage adds an important protection that many people mistakenly assume they already have. 

When you only have liability insurance, you don’t have protection for your own vehicle if you are at fault in an accident. Even if your vehicle is totaled, you will be responsible for replacing your vehicle if you decline collision coverage. 

Keep in mind that collision coverage is only for collisions and will not help in other situations such as hail, falling trees, or vandalism.

Get the Protection You Need

When you are making decisions about your auto insurance, you should speak with your agent about your deductible too. It may seem cheaper to get a higher deductible, but you could regret it if there is an accident and you are unable to pay the deductible and get back on the road right away, Protect yourself and your family in Evergreen, CO with auto insurance that meets your needs. If you would like to change your policy or if you just have questions about your current policy, please call Davidson Insurance Agency today.