Auto Collision Coverage in Beaufort, NC & Morehead City, NC
No matter how cautious and prepared you are on the road, accidents happen. Collision insurance can help you financially recover from unexpected incidents involving your vehicle. Willis Insurance can help you explore coverage options and select the best policy for your needs and budget.
What Is Collision Insurance? 
Collision insurance covers your vehicle in an accident, whether you’re at fault or not. While not legally required in most states, including North Carolina, some lenders require it if you lease or finance your vehicle.
This insurance may cover the cost of repairing your vehicle if you hit an object, such as a sign or garage door, or another vehicle.
What Isn’t Covered by Collision Insurance?
It’s important to note that collision insurance does not cover all damage to your vehicle. Damage from someone hitting your parked car may be covered under comprehensive insurance, or, if the other driver doesn’t have adequate insurance or doesn’t carry insurance at all, uninsured/underinsured motorist coverage. Other incidents of theft, fire, or weather-related damages may fall under comprehensive coverage as well.
How Much Does Collision Insurance Cost?
When you file a claim, you must pay a deductible before your insurer covers the remaining costs. While a higher deductible may mean lower monthly premiums, you’ll generally pay more out-of-pocket after an accident.
Many factors go into determining collision insurance rates, including the vehicle’s value and your previous claims and driving record. Depending on your vehicle’s value and age, collision insurance may not be in your best interest. It may also be an option to bundle with other coverages.
Contact Us
At Willis Insurance in Beaufort, NC & Morehead City, NC, we can help you find the best policy for your needs and budget. Contact us today for a personalized quote or more information.