Even the most careful drivers can experience accidents. That’s where collision insurance can help. At Freedom Insurance, we work with drivers across Macon, Georgia to help them understand how collision coverage functions and when it may make sense to include it in an auto policy.
What Is Collision Insurance and What Does It Typically Cover?
Collision insurance is a coverage option that may help pay for repairs or replacement if your vehicle is damaged in a crash, regardless of who is at fault.
A standard collision policy may apply in situations such as the following unexpected events:
- Accidents involving another vehicle
- Hitting an object (e.g., a tree, pole, or guardrail)
- Damage from single-car accidents like rollovers
- Repair or replacement costs up to the vehicle’s insured value (minus your deductible)
Collision coverage is often paired with comprehensive insurance to protect against accident-related and non-collision damage.
When Might Collision Coverage Be a Good Fit?
Collision isn’t legally required in Georgia. Consider the following:
- Required by lenders if your car is leased or financed
- A good option if your vehicle is newer or still holds significant value
- Helpful for high-mileage drivers with more exposure to daily road risk
- Worth considering if paying for repairs would be difficult in the event of a crash
Your deductible and vehicle’s age will determine whether the cost of this coverage is affordable.
Contact Us Today
Freedom Insurance is proud to support Macon, Georgia drivers with policy options that reflect their vehicles and daily lives. Contact our office today to learn more about collision insurance or to request a quote that fits your current auto coverage.
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