What is Collision Coverage?

Kansas is a no-fault state, which means that each motorist is responsible for paying for their own injuries and property damage, no matter who is to blame for the wreck. Drivers are required to have several types of insurance in the state of Kansas, but collision coverage is not one of them.

This protection is optional according to the law, but many people choose to purchase this protection for the benefits it offers.

This is because collision coverage will help drivers cover the costs related to their own car repairs in the event of an accident. This can be important if your vehicle is expensive and is paid off, as you could otherwise suffer a total loss with no recourse. Your policy will tend to pay for damages as long as they do not exceed your car’s actual cash value. 

You could also potentially collide with stationary objects, such as a mailbox, a pothole, or a post, and do significant damage to your car. Be sure to ask your Marla Williams Agency specialist for the details on what specific things will be included in your coverage. 

If you are currently carrying a balance on your automobile or if you are leasing, your lender will usually require you to purchase collision coverage, as this will help protect their financial investment. You will still be obligated to pay the deductible before your insurance makes any payments. 

When you take out a policy, generally speaking, your premiums will be affected by the dollar amount you set for your deductible. If you lower your deductibles, premiums tend to increase, and if you raise your deductibles, your premiums should be lower. 

Marla Williams Agency Can Lend You a Hand

Our knowledgeable agents can assist you with finding the package you need for automobiles, homeowners, life insurance, and more. Reach out to us today by calling, emailing, or stopping by the office.