Grants Pass, OregonIf you are looking for auto insurance in Grants Pass, Oregon and are not sure what insurance is best for your situation you’ve come to the right place. Here are the two main auto insurances offered but it is always best to give us a call to discuss your options and personal needs. Give us a call if you have any questions.

Collision Coverage

Auto insurance can be quite expensive, and many of us have spent a moment or two entertaining the thought of cutting back on the kind of insurance they are purchasing. We all know that it is important to have insurance, but do you really know what sort of insurance you need to have, and which kinds of insurance are optional extras? Let’s start with collision insurance – what exactly does collision insurance cover, and how important is it to have this kind of coverage?

Collision insurance is very important. If you are driving a vehicle that is involved in an accident, then collision coverage will help you to get your car fixed, and should cover other expenses associated with the collision too. This will take a lot of stress off you during what would otherwise be a very difficult time. Being in a car accident can be a scary experience!

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What Is Collision Coverage?

To put it simply, collision coverage will pay to fix any damage that is done to your car when you are involved in an accident, whether that accident involves your car hitting someone else’s car, or the other way around. Collisions are the single most common form of car accident. No matter how careful a driver you are, there is a huge risk of you being involved in a collision. All it takes is for you to be sharing the road with an inattentive driver, and there are a lot of those on the roads today.

Your collision coverage will pay out no matter whose fault the accident was. You will have to pay a deductible, which is set when you take out the policy. There are a handful of exclusions to collision coverage, however. If you deliberately crash into someone then your insurance won’t pay out. Nor will it pay out if you were racing at the time that the accident occurs.

If you were the one at fault, then your premium will increase as a result of your claim. If the other driver is at fault, then your insurance company will pay out and will then seek to recover the costs of your claim from the other driver’s policy. In some cases, your deductible may be repaid as well. It is a good idea to have collision coverage because it will pay out even if the other driver is uninsured, or if they flee the scene before you can take their details. Basic collision insurance is very handy to have, but there are a lot of add-ons that are worth considering, such as coverage for towing, or labor and rental costs. These extras do not cost a lot of money, and they could prove invaluable if you are involved in an accident that damages your car so badly that you cannot drive away from it.

Why Is Collision Insurance Important?

You are most likely obliged to take out collision insurance if you purchased your car on finance. The company that you took the loan out from will hold the title to your car, and you are simply using it with their permission. Once you have paid off the loan the title for the car will pass over to you, and you can then make up your own mind as to whether you need to keep collision coverage. However, collision coverage is not expensive so it makes sense to keep it.

Even if you are not required by the terms and conditions of your loan to hold collision coverage, it is still worth having. If you are involved in a car accident and your car is a write-off, will you be able to repair the car or replace it in a timely fashion. For most people, the risks of not having collision coverage are simply too great.

Click here for a free online quote or contact us with any questions about available auto insurance in Grants Pass, Oregon by clicking here or calling.

Comprehensive Coverage

Comprehensive coverage is the next level up of coverage, it offers insurance for far more things than simply being involved in a car accident. Comprehensive coverage protects you in the event of theft, vandalism, fires, and other damage to your vehicle.

The Value of Comprehensive Cover

Car theft is a depressingly common event, and while there is a small chance that your car is recovered after a theft, you cannot guarantee that it will be in good condition. The thieves may crash the vehicle, damage the engine or strip parts from the car. Comprehensive car insurance will pay to fix your vehicle in that case, or to replace it if it is not recovered.

Theft is not the only thing that comprehensive auto insurance offers protection from. Other possible scenarios include:

  • Extreme weather: Floods, severe hail storms and even lightning strikes may be covered by your insurance. Note, however, that some comprehensive insurance excludes weather events that can be defined as “acts of God”.
  • Vandalism: Intentional or accidental damage to your car caused by third parties, such as slashed tyres, scratches to your bodywork, or even something falling on the vehicle are all possible scenarios that can be covered by comprehensive car insurance.
  • Fire damage: If your garage catches fire with your car in it, and leaves your car a twisted mess, then you should be able to claim for the damage under your comprehensive auto insurance policy.

There are a huge number of ways that your vehicle could be damaged or become unusable. You cannot think of them all in advance, so it makes sense to take out insurance to protect yourself, just in case something unexpected and drastic happens to you.

Whose Fault Was The Damage?

As with collision coverage, comprehensive coverage is usually “no fault”, with the exception of intentional damage. You will have to pay a deductible when you make the claim, but the insurance company will pay out for vandalism, theft, and accidental damage.

If a third party caused the damage, then your insurance policy will pay you, then seek to recoup the claim from the third party’s insurance policy. Once the cost has been recovered, that claim will be erased from your claim history so you will not lose your no-claims bonus.

Click here for a free online quote for auto insurance or contact us with any questions by clicking here or calling.