Collision Insurance in Connecticut 

If you find yourself asking, “What is collision insurance?” or “Do I need collision coverage in Connecticut?” you’ve come to the right place. Below we’ll look at what this type of car insurance covers, what it doesn’t cover and the reasons you should carry it on your auto policy.

What Collision Insurance Covers

The first thing you’ll want to remember about collision insurance is that it only pertains to damage to YOUR vehicle, and only when there is a “collision.” Collision insurance may cover the cost to repair or replace your vehicle if you’re involved in an accident with another vehicle or an object such as a tree, fence, mailbox, traffic barrier or other structure. Depending on the situation, it may also cover the damages resulting from a single-car accident involving your car turning over on the road or rolling down an embankment. Even if you’re at fault in an accident, this insurance coverage will typically cover the costs to repair or replace your vehicle.

What It Doesn’t Cover

It will NOT cover damages to another person’s vehicle or property resulting from an auto accident. Also, collision coverage will not pay medical bills for anyone involved in an auto accident (including you). Although collision insurance only pertains to coverage for YOUR vehicle, it’s important to remember that this type of insurance only covers an event involving a “collision” where your vehicle strikes another vehicle or object. This means that it also will NOT cover damage to your vehicle resulting from wind, hail, flood or theft.

Reasons You Should Carry Collision Insurance

A recent traffic study produced by the   (CTSRC) showed that out of 116,194 auto crashes in CT, 96,014 of them (almost 83%) were collision-related accidents. As a driver in CT, if you own a newer car, or one that would be expensive to replace, you should consider if you’d be able to write a check for several thousand dollars to repair your vehicle if it was damaged in an accident that you caused. Worse yet, would you have the means to buy a new car to completely replace your vehicle if it were totaled in an accident that was your fault? Even if your answer is “yes” – you might be taking an unnecessary risk by not carrying collision on your policy. If you’ve taken out a loan to purchase your vehicle, the lender will most likely require you to carry collision coverage on your auto policy as a way to protect their asset while you’re paying off the balance. The same is true for auto dealers from which you may lease.

Final Thoughts on Collision Insurance

Although you’re not legally required to carry collision insurance on your auto policy in the state of Connecticut, you’re most likely assuming a substantial financial risk by not having it. Some factors, such as weather conditions that impact driving, are simply out of your control. Today, you DO have the option to protect yourself financially by carrying collision coverage. If you have questions about your insurance coverage, or would like to know more about car insurance companies in CT, contact us today to speak with a friendly, knowledgeable representative.  You can also read more about other types of coverage, such as full coverage insurance or about understanding auto insurance coverage. Plymouth Rock offers exceptional value and is the premier auto insurance choice for drivers in Connecticut.

Get your free online quote or find a local agent to save with Connecticut car insurance discounts. Contact us or call 855-993-4470 for additional information.