How do I know if I have collision coverage?

Collision coverage pays for damage to your vehicle when ANOTHER DRIVER causes an accident. Your insurer will pay your damages and then go seek reimbursement from the other driver's insurance. Many drivers take advantage of this option when the at-fault driver's insurer is being difficult or slow to act. read more

If you do not have a loan on your vehicle, the choice of collision coverage or no collision coverage is totally up to you. You have to weigh your circumstances to determine if you could cover the loss of your vehicle if it were in a collision on your own, or if you would need help from a third party such as an insurance company. read more