Collision Coverage in Swea City and Estherville, IA

Auto collision insurance is an essential safeguard against the financial burden of vehicle repairs or replacement after an accident. For example, if another car runs a red light and hits your vehicle, or you accidentally back into a pole in a crowded parking lot. In both cases, collision insurance may cover the cost of repairing or replacing your car. Without this coverage, such incidents could lead to significant expenses.

What Is Collision Insurance?

Collision insurance is a type of auto insurance that may cover damage to your vehicle resulting from a collision with another car or object. This coverage is crucial if you have a newer or more expensive vehicle because repair costs can be substantial. Collision insurance is typically optional but may be required if you lease or finance your car.

What Does It Cover?

Collision insurance may cover your vehicle's repair and replacement cost if it is damaged in an accident, regardless of who is at fault. This includes the following:

• Collisions with other vehicles
• Accidents involving stationary objects (e.g., trees, guardrails or fences)
• Single-car accidents (e.g., rolling or flipping your vehicle)

It is important to note that collision insurance may only cover damage to your vehicle and does not cover medical expenses, damage to other vehicles or property damage.

How Does Collision Differ from Comprehensive Coverage?

While collision insurance may cover damage to your vehicle from accidents, comprehensive insurance covers noncollision incidents. Comprehensive insurance may include coverage for theft, vandalism and other types of damage unrelated to a collision. Both types of coverage are essential for providing complete financial protection for your vehicle, but they serve different purposes and may cover various types of incidents.

Learn More

If you live around Estherville and Swea City, Iowa, Cornerstone Insurance Services is ready to help you find appropriate collision coverage. Contact us today for more information on how auto collision insurance can benefit you.