Collision Insurance

Orlando | Sarasota | West Palm Beach

SIG Insurance provides expert collision insurance quotes in Orlando FL and surrounding areas.

What is Collision Insurance?

Collision Insurance, also known as bumper to bumper insurance, covers you by paying for the cost of repairing or replacing your car if it’s damaged in a collision with another car or object. If you lease or finance your vehicle, collision coverage is typically required by the lender.

How Does Bumper to Bumper Insurance Work?

Bumper to bumper insurance is limited to the actual cash value of the vehicle. It requires a deductible which is the amount you’ll need to pay before receiving benefits. You can typically choose the amount of your deductible when you buy coverage.

Collision Insurance Deductibles and Limits

Higher deductibles lower your premium but increase the amount you must pay out of pocket if a loss occurs. For example, say you hit a guardrail and you have a $500 deductible, you would pay $550 and your insurance would cover the rest of the repairs. With a higher collision deductible, you would cover more of the cost of repairs, but your monthly premium would be lower.

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What is Covered with Collision Car Insurance

Collision car insurance helps pay to repair or replace your vehicle if it is damaged from:

  • A collision with another vehicle
  • Collision with objects, such as a pole or structure
  • A single-car accident or roll over 

What is Not Covered by Collision Auto Insurance?

If your car is damaged from the following causes, you won’t be covered by collision:

  • Natural disasters
  • Theft
  • Vandalism
  • Falling or flying objects
  • Fire
  • Being hit by an animal
  • Damage to another person’s vehicle
  • Medical bills whether they’re yours or another person’s

Why Buy Collision Insurance?

If you’re leasing a vehicle, or you still owe money on it, bumper to bumper insurance isn’t an option. Most dealerships and lenders require it. Once your vehicle is paid off, and you know what it is worth then you may decide to buy collision insurance. Some people find it is a good idea to cover newer cars, but as a car depreciates they consider dropping this coverage to save money.

Contact an agent at Signature Insurance Group today to discuss the best option to protect you and your family, an insurance specialist at SIG can help you find one that fits best with your budget, so contact us today!

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Collision Insurance in Longwood FL, Melbourne FL and Venice FL

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