Most every state requires that drivers carry minimum auto insurance coverage to pay for injury or property damage to others in the event of an accident. Minimum coverage, however, won’t help you recuperate your losses if your car is damaged in an accident. By obtaining collision coverage from Safechoice Insurance Agency in Rochester, MN, you ensure your vehicle is protected in the event of an accident, regardless of who was at fault. Here are just a few ways collision insurance can be of benefit to Minnesota drivers.

Protection from Accidents You Cause 

Even careful drivers can find themselves involved in an accident that causes damage to their vehicle. With collision coverage, your insurer will pay for repairs to your vehicle, even if the accident was your fault. After you pay the deductible, your collision insurance will take care of the rest. If repair costs exceed the market value of your vehicle, your insurer may “total” the car and reimburse you for its market value, making it possible for you to replace your vehicle.  

Protection from Accidents Caused by Others

Collision coverage will protect you from accidents caused by other drivers by covering the cost of auto repairs without raising your premium. This way you don’t have to wait for the other driver’s insurance company to settle the claim. Your insurer will then seek reimbursement from the insurance carrier of the driver at fault of the accident.   

If you own a new or costly vehicle, it only makes sense to obtain collision coverage to protect your investment. Even older, reliable vehicles with high market value can benefit from what collision coverage has to offer. With collision coverage, you can have greater confidence that you are protected from accidents.  

At Safechoice Insurance Agency, Rochester, MN, we can help you make wise decisions concerning the auto insurance coverage you need.