Car insurance is needed to avoid tickets and paying out of pocket when involved in an accident. But there are different types of car insurance and add-on coverage plans to choose from, like collision car insurance.
What Is Collision Car Insurance?
Collision car insurance is an extra car insurance option that helps pay for repairs or replaces a car if damaged in an accident.
If you are leasing or financing a car, it is usually a must to have to help cover expenses if involved in an accident.
When To Get Collision Car Insurance?
The extra coverage of collision car insurance is not required under state laws, but if you are leasing a car, the lender may require it.
The best way to obtain collision car insurance is to look around to find the best rate. If you live in an area with a lot of accidents or drive a lot, this extra coverage is beneficial. However, if you have an older car, it may not be worth it.
For example, if your car is worth $1,000 and you pay $100 in collision car insurance every year, the value of the extra insurance plan is not worth it. When you have a brand new car or a more valuable car, then it is worth considering.
What to do If Involved In An Accident
Being involved in a car accident is never fun and usually takes time and patience to get through it. This is where speaking with a car accident lawyer in Philadelphia will be helpful. Especially if you were not at fault in the accident, you will need to file a claim.
This is where things get tough. You should be focusing on recovering from your accident instead of worrying about dealing with insurance companies. A lawyer will step in and look over your insurance and coverage plans. They will also speak with all other parties involved including their insurance companies. This is all done to help get you the most out of your claim. If your car was severely damaged and you do have collision car insurance, you want to be able to get the most fair payment to either repair or replace your car. A determined car accident lawyer will do the negotiating for you, so you can focus on your life.