At Suburban Auto Body, we tend to see Minnesota drivers when they’re having a rough time. Maybe they were rear-ended while they were driving in traffic, or perhaps they ended up with hail damage during an unseasonal storm. But no matter what their car is in the shop for, having the right insurance coverage policy can lessen the blow.


At Suburban Auto Body in Minnesota, we have plenty of experience working with insurance policies to help our customers get back on the road faster. In this post, we’re looking into how collision coverage works and whether it’s worth it to invest in collision coverage for your vehicle.

Choosing the Right Insurance Policy

Purchasing an auto insurance policy can be tricky, especially if it’s your first time getting coverage that goes beyond just liability insurance coverage. It’s a good idea to completely understand your policy options before investing. If you’re not clear on how something works, be sure to take the time and ask your insurance broker. They’re typically glad to explain their policy options and help customers make the best decision for their vehicle, type of driving, driving record, and budget.


Once you’ve purchased a policy, make sure you understand its coverage and limitations. Print up a copy of your policy information and read through it at least once so you’re prepared to use it when you need to.

Collision Coverage: What’s Covered?

Generally speaking, collision coverage is for exactly what it says it is for—covering collision costs. Unlike a comprehensive policy, collision coverage is primarily meant to cover the damage to your own vehicle when you need auto accident repair.


Collision coverage will pay for any collision damage to your vehicle when your ride collides with anything whether it’s another vehicle, a ditch, or even a tree. If you’re involved in a collision with an underinsured or uninsured driver, collision coverage should pay for that as well.


Unlike liability insurance, collision coverage is not legally required. However, if you’re purchasing a vehicle with a loan, your lender will most likely require you to carry collision insurance or comprehensive coverage.


These are a few important questions to ask when you’re looking at collision insurance policies:


●        What is the deductible?

●        What types of collisions are covered?

●        Does the policy have any limitations?

●        What happens if the vehicle gets totaled?

●        What is the annual cost?

Deciding if Collision Coverage is Worth It

If you’re not required to carry collision coverage for a lender, whether to get collision coverage comes down to a pretty straightforward math problem. Subtracting the deductible for a given policy from the overall value of the vehicle will give you the maximum amount your policy will pay out. If you can easily afford to cover that amount of pocket, you may not need coverage.


Next, weigh that amount against the total cost of collision coverage for a year. If the policy has you paying more than you’d take out, it isn’t worth it. However, if the expense of repairs outweigh what you’ve got on hand or what you’d be putting into your policy, you’re better off with collision coverage than without it.

Insurance Repair in Minnesota

When you need auto body repair work, you can trust Suburban Auto Body for a seamless insurance repair process. Give us a call at 651-633-8900 or connect with us online to get your free car accident repair quote on car accident repair today.