What happens if you don't have collision insurance?
If you caused a car accident and did not have collision insurance, you would not have coverage for your car repair bills. And if your car is deemed a total loss, you would have to pay out of pocket to replace it. With so many choices for car insurance companies, it can be hard to know where to start to find the right car insurance.
Can I buy Collision insurance without comprehensive insurance?
Depending on the company, you might not be able to buy collision insurance without comprehensive coverage, or vice versa. This could be because you have an active loan or lease that requires both, or because your insurer requires one to purchase the other.
Do I need collision coverage for auto accidents?
For auto accident damages to your vehicle to be covered by your auto policy, collision coverage is needed. Collision coverage allows you to file a claim with your car insurance company and have it pay, minus your deductible amount, for damages received in most auto accidents.