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In a nutshell...
  • Insurance can cover any part of your car that needs repair as a result of a collision
  • Comprehensive coverage will cover other damage due to factors not due to an accident
  • Having the right coverage is essential to make sure your insurance will pay

There are many parts to a car that can be damaged in an accident, the battery being one of them. If you have a serious accident or collision and your battery is damaged in the crash, the chances are good that your insurance will cover the costs.

But you should know that insurance is not there for the purpose of acting as a warranty.

A warranty replaces parts when they are defective of when they have worn out due to wear and tear of your vehicle or other reasons. Car insurance is only meant to cover collisions except in the case of comprehensive insurance.

Don’t expect your car insurance to pay for damages or malfunction of your vehicle battery due to wear and tear or aging.

See how much you could save on car insurance by comparing quotes right now.

What is collision insurance?

Collision insurance is coverage that exists for the purpose of repairing the damage that you receive in a car accident, fender-bender, or mishap on the roadways. Vehicle insurance coverage will pay for the damages after you have met your deductible.

The amount of the deductible can range from $500 up to $1500. The lower the deductible, the less you will have to pay before your insurance pays the rest.

The purpose of collision is for the repair of property damage to your vehicle. It will pay regardless of who is at fault. If you can show that the other driver was to blame, the other driver’s insurance should pay for this through their property liability insurance coverage.

If the other driver is uninsured, your insurance will pay for the damages if you have collision coverage.

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What is comprehensive coverage?

Comprehensive coverage is an entirely different type of coverage. It is not intended to pay for damages caused by accident. Instead, it is focused on covering damage to your vehicle due to one of the following situations:

  • Hail, flood, fire, or other acts of nature – Acts of nature are things that happen in nature that are beyond your control. Only comprehensive coverage can cover these events, and they must be unrelated to a car accident.
  • Vandalism – Vandalism and destruction of property can occur when criminals damage your car through acts of violence against your vehicle and property.
  • Falling objectsFalling objects can come from anywhere but when they damage your vehicle, only comprehensive insurance will cover it.
  • Theft – If your car is stolen, comprehensive coverage can replace your vehicle.

Some Facts to Remember

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Remember that collision insurance requires a deductible. Choose your deductible based on the amount of damage that you can afford to pay on your own before your insurance pays. If you have a $1,000 deductible, you will have to pay $1,000 before your insurance helps.

You should choose a deductible based on what you can afford to pay from your pocket. It should be small enough that you can afford to get your car fixed if you have a collision or have damage to your car from external factors.

Another thing to keep in mind is the amount of liability that is required in your state of residence. You should know the state laws for the state in which you live and what the minimum liability amounts are.

If you are stopped without proper coverage, you could face high fees and court costs and even lose your license temporarily for failing to have this coverage.

Liability covers your legal obligation to others while collision, comprehensive, and the other types of coverage offer you extra coverage for your vehicle repairs should something happen to your car.

Look into these other coverage options to ensure that your vehicle will be taken care of, no matter what lies down the road.

What insurance is best for me?

Selecting the right insurance company is the best thing that you can do to help you pay for your repairs, medical expenses, and loss of wages if you have an accident.

Insurance can help you by also providing you with a way to pay for damages to your vehicle when you cannot afford the repairs yourself.

It also pays for medical expenses if you have medical coverage or personal injury protection. These are optional coverages so make sure and ask your insurance representative if you think you may need these extra coverages.

The Real Purpose of Insurance

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Insurance protects you from financial loss and avoids having to take others to court to obtain your compensation. It cannot help you if you do not have the right insurance, so you need to shop around and compare policies in order to find the right coverage for your needs.

When you are shopping for insurance, you should think about how much you drive, how many others you take in your car with you on a regular basis and other risk factors that may affect your chances of having an accident.

By comparing a variety of policies and insurance companies, you will be more informed as to what is the best coverage for your needs.

Only by becoming more educated about your choices can you expect to make the best decision for your individual insurance needs.

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