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Collision Coverage - Auto Insurance & Collision Insurance Guide Ames IA

Auto insurance collision coverage comes into effect if your car is damaged by an accident. In this case, 'accident' covers anything from collision with another car to single car accidents.

Dobson- Meg E - State Farm Insurance Agent
(515) 232-3307
515 Grand Avenue Ste 104
Ames, IA
 
Allstate Insurance-Marci Baldwin
(515) 232-0771
516 Lincoln Way #b
Ames, IA
 
Shrum- William R - State Farm Insurance Agent
(515) 232-0030
118 Main Street
Ames, IA
 
American Family Insurance
(515) 733-4719
619 Broad Street
Story City, IA
 
Wigert- Douglas D - State Farm Insurance Agent
(515) 432-1215
816 Story Street
Boone, IA
 
Barney Russell G
(515) 232-8090
123 6th St
Ames, IA
 
Doyle- Mark S - State Farm Insurance Agent
(515) 232-8090
823 Wheeler Street Ste 8
Ames, IA
 
Madsen- Gregory G
(515) 382-6539
616 J Ave
Nevada, IA
 
Geise- Brandon D
(515) 733-4366
617 Broad St
Story City, IA
 
Riley- Eric L
(515) 433-0310
1332 S Marshall St
Boone, IA
 

Collision Coverage - Auto Insurance & Collision Insurance Guide

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Auto Insurance - Collision

Auto insurance collision coverage comes into effect if your car is damaged by an accident. In this case, 'accident' covers anything from collision with another car to single car accidents (such as roll-overs) and even damage by potholes. Collision auto insurance covers the cost of repairs to your car. Period.

This coverage remains in force whether you are at fault in the accident or not.

Collision auto insurance is relatively expensive coverage. If you have a new car collision auto insurance is likely a good investment. If you have a vehicle which you are driving into the ground don't buy collision auto insurance.

Also keep in mind that you can reduce the cost of collision auto insurance coverage by taking a higher deductible. However, this will expose you to higher costs in the case of an accident. You have to weigh the short term benefit and your driving record against the cost of an accident.

One thing to keep in mind: if an accident is not your fault, your auto insurance company will attempt to recover costs from the 'at fault' driver's auto insurance. If they recover their full costs they will refund you the deductible amount.

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