Driving a car requires insurance, but there are several types of coverage available. Understanding the differences between these options can help you choose the right policy. The professionals at Red Rock Insurance, serving Las Vegas, NV, can guide you through the process. Here is what you should know.
All About Collision Insurance
Collision insurance covers damage to your vehicle when it is involved in a collision, even if you caused the accident. This type of coverage applies whether you collide with another vehicle or hit a stationary object.
There are exceptions to be aware of. For example, collision insurance does not cover damage caused by hitting an animal. However, it can pay to repair or replace your vehicle when the damage is directly related to a collision.
How Collision Insurance Compares to Comprehensive Insurance
Comprehensive insurance covers damage that is not caused by a collision. If your vehicle is damaged by fire, theft, vandalism, a falling tree, or a similar event, comprehensive coverage can help pay for repairs or replacement, according to the terms of your policy.
If your vehicle hits an animal or is struck by one, the resulting damage is typically covered under comprehensive insurance rather than collision insurance.
Which One Is Right for You?
Selecting the right type of insurance depends on your needs, budget, and the value of your vehicle. Speaking with an insurance professional can help you understand your options. Your agent can explain how each policy works, review costs, and help you choose the most appropriate level of protection.
Contact Us Today for Auto Insurance
If you need auto insurance or want to explore your coverage options, the team at Red Rock Insurance, serving Las Vegas, NV, is here to help. Call today to speak with one of our professionals and begin comparing policies.
