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Collision Insurance Quote Forms
Collision Insurance Information
Collision insurance may help provide crucial financial protection after a car accident. This coverage may not be right for every Virginia driver, however. The agents at Matt Roenker Insurance Agency in Virginia Beach, Virginia, can help assess your situation to help determine whether collision insurance is a good fit.
What Does Collision Insurance Cover?
Collision insurance may help pay to replace or repair your vehicle after an accident. Depending on whether you own your vehicle outright, this coverage may be optional.
Without collision coverage, damage to your vehicle after an at-fault accident may not be covered by your insurance policy.
Is Collision Insurance Required In Virginia?
Virginia state laws do not require collision insurance, but you generally must purchase collision coverage if you finance or lease your vehicle. Most lenders or lienholders require full coverage insurance, which includes comprehensive and collision insurance. They may also require guaranteed asset protection (gap) insurance.
Virginia drivers must maintain minimum amounts of liability insurance, which may help cover third-party bodily injuries and property damage.
The liability limit requirements in Virginia are comparatively low in regard to other states’ limits, and liability insurance only pays up to the policy’s limits. Your agent may recommend purchasing more auto liability insurance than the minimum required amount.
Collision Vs. Comprehensive Coverage
Insurers provide access to collision and comprehensive coverage as a package. Each insurance type offers coverage for different accidents and incidents.
Collision insurance may cover the following:
- Hitting another vehicle
- Hitting a stationary object like a telephone pole, road sign or building
- Rollover accident
Comprehensive insurance may cover for the following:
How to Buy Collision Insurance In Virginia
- Hitting an animal or having an animal run into your vehicle
- Natural disasters such as tornadoes and earthquakes
- Falling objects such as ice, branches and trees
Contact Matt Roenker Insurance Agency today to start building your customized auto insurance plan. We can help you get multiple collision insurance quotes from reputable insurance companies.