Owning a vehicle comes with a lot of responsibility and risk. You have to ensure you're driving safely, filling up the tank, paying your bills, and taking care of what's under the hood. However, what you can't always plan for is an accident on the road. Having collision insurance can help cover costs in the event of such an occurrence, so it's smart to learn more about this type of auto policy.

What Is Collision Insurance?

There are many risks that are present every time you're behind the wheel, such as hitting another object or car on the road. While liability insurance will cover the cost of car repair or replacement for the other driver if you're determined to be at fault for the accident, your own expenses will have to come out of pocket. 

However, collision insurance doesn't take fault into consideration. Instead, this insurance add-on can help supplement your other policies while helping cover the costs of repairs to your vehicle if you hit an object or another car.

What Doesn't Collision Insurance Cover? 

Liability insurance would cover the costs of someone else's damaged vehicle, but collision insurance only covers the cost of yours. Similarly, it won't cover any medical bills that accrue post-accident. 

Storm damage is also not covered since hail or branches falling from the sky or trees aren't considered a collision. If you were to hit a tree while driving, the damage to your vehicle would be taken care of, but any property damage would not.

With offices in Centre, Scottsboro, Fort Payne, and Rainsville in Alabama and Jasper, TN, Goggans Insurance has helped people throughout the region protect what matters most since 1987. They work with a wide range of leading insurers and will take the time to create a policy tailored to protect your vehicle. Visit their website for more on their insurance services, get updates and tips on Facebook, or call (256) 845-7777 to request a free quote.