If you’ve ever wondered what happens when you hit something with your car or roll your vehicle, collision coverage is what steps in to help. It’s one of the most important types of protection on your auto policy, especially for Nebraska drivers dealing with snow, wildlife, and rural roads.
What Does Collision Coverage Pay For?
Collision coverage pays to repair or replace your vehicle if it’s damaged in a covered event. This applies when:
- You hit another car
- You hit a pole, fence, or guardrail
- You roll your vehicle
- You crash into a stationary object
It does not cover damage from hail, theft, or vandalism. Those fall under comprehensive coverage.
Is Collision Coverage Required in Nebraska?
Collision coverage is optional in Nebraska if you own your vehicle outright. However, if you lease or finance your car, your lender may require it. Even if it’s not required, many drivers choose to carry it for peace of mind.
In Nebraska, where icy roads and deer crossings are common, this coverage can save you thousands in repair costs.
How Much Will It Pay?
After you pay your deductible, your insurance company will cover the rest of the repair costs up to your vehicle’s actual cash value. If the car is totaled, you’ll be paid that value minus the deductible.
For more information on how this works, check out The Hartford’s guide to collision insurance.
Need Help Deciding If You Need Collision Coverage?
Whether you’re driving in Omaha, Lincoln, or a smaller Nebraska town, having the right insurance can make all the difference after an accident.
Talk to Ritch Nelson at New Frontier Insurance Agency. He’ll help you understand what your policy covers and whether this is right for your situation.