Collision insurance is typically optional, but it is often required if you are financing or leasing a vehicle. It can also be a good idea to purchase collision insurance if you live in an area with a lot of traffic or if you drive an expensive car.
Here are some examples of when collision car insurance would be needed:
* You are driving down the road and you hit another car, causing damage to both cars.
* You back out of your driveway and hit a tree, damaging your car.
* You are driving in a parking lot and you hit a cement barrier, damaging your car.
In each of these cases, collision car insurance would cover the cost of repairing your car.
It is important to note that collision insurance has a deductible, which is the amount you have to pay out of pocket before your insurance coverage kicks in. When selecting a collision insurance policy, you will need to decide what deductible amount you are willing to pay. The lower the deductible, the more expensive the policy will be.
