Collision Coverage

 

Collision coverage can help provide crucial financial protection after a car accident, but this coverage isn’t suitable for everyone. Your agent can help determine whether adding collision insurance to your auto insurance plan is right for you.  

What Does Collision Insurance Cover? 

Collision insurance may help cover damage to your car if you are in an accident with another vehicle, your car flips over—or if you hit a guard rail, telephone pole or another stationary object.  

Is Collision Insurance Required in North Carolina? 

North Carolina drivers are not required to purchase collision insurance to comply with state laws. However, if you lease or finance vehicles, your lienholder requires collision and comprehensive coverage. They may also require you to purchase guaranteed asset protection (GAP) coverage.  


All North Carolina drivers must maintain minimum amounts of liability insurance coverage to help cover legal liability for third-party bodily injuries and property damage after an at-fault accident. The state also requires uninsured/underinsured motorists coverage to help pay for bodily injuries and damage to the insured vehicle caused by negligent drivers with limited or no liability insurance coverage.  

When to Buy Collision Coverage 

If your car is worth more than a few thousand dollars and your premiums are affordable, collision and comprehensive insurance can be valuable additions to your auto insurance coverage.  


Collision coverage may be unnecessary if you own your car outright and its value is low. Your agent can help evaluate your situation to determine whether paying a higher premium for full coverage insurance makes sense.  


Depending on your situation, your agent may recommend that you also add the following policies and endorsements: 

• Personal umbrella insurance
• Medical payments (MedPay) insurance
• Towing coverage
• Roadside assistance
• Auto glass coverage 

How to Get Collision Coverage 

Contact Cowey Insurance Group serving New Bern, Jacksonville and Havelock, North Carolina, to get auto insurance that includes collision coverage. We can help you build a custom car insurance plan to meet your needs.