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Should You Get Collision Coverage?

Collisions are stressful and overwhelming on their own. Now imagine being involved in a collision, not having collision coverage on your vehicle, and having to pay for the damage to your car out of your pocket. We say “no thanks!”

Collision coverage is a type of insurance that covers accidents with other motor vehicles as well as objects like fences or trees. Important to note, collision coverage does not cover everything, i.e. medical bills or damage to your car that isn’t a direct result of a collisions (hail storms, break ins, etc.).

When adding collision coverage to your insurance policy, you should consider your deductible, which is the money you are responsible for paying prior to your insurance coverage kicking in. When thinking about your deductible there are a few things to take into consideration: monthly cost or premium, risk-level for you as a driver (teens have a higher cost because they are considered a higher risk), your driving record, and your car and situation. Consider how old your vehicle is and its worth to you.

Depending on how old your car is, sometimes collision coverage just isn’t worth it. Why? Insurance companies only pay fair market value for damage done to your vehicle. Generally, if your car is more than 10 years old, this is when you should consider dropping the coverage to save money.

There are some instances where you can’t drop collision insurance, such as when financing or leasing your vehicle. Only when you own it outright can you make this choice.

Finally, look at your emergency savings. If you have little to no savings and would be lost without your vehicle, you may want to keep collision coverage just to be safe.

If you have any questions about collision coverage or you’ve been in a collision and need your car to be repaired, call one of the members of Your Hometown Body Shop today.

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Rear End Collision Damage

Being involved in a rear-end collision is never fun. If your vehicle has been rear-ended, there are a few things you should check before getting back on the road.

Hidden Body Damage

In a rear-end collision, there is often damage behind the bumper cover that you may not be able to see just looking at the vehicle.  Most modern vehicles use plastic bumper covers that don’t provide a lot of protection between the frame of your vehicle and another, even if it’s a small car that caused the impact. In short, you can’t always rely on the visual appearance to be sure there’s no damage. Always check.

 Alignment Issues

If you notice changes in the way your car handles after a rear-end collision, your alignment is probably off. The most obvious symptom of an alignment issue is uneven driving or steering wobble where the wheel pulls to one side. You may also notice vibrations while driving. Improper alignment issues can cause serious safety hazards to your vehicle or others when driving. If you notice alignment issues, call a member of Your Hometown Body Shop immediately to get your vehicle looked at.

Rear Trunk Problems 

Your vehicle’s trunk should open and close smoothly. If it does not after a rear-end collision, that means that there could be some damage to rear cabin components. This won’t impact your driving, but could create a safety hazard if the trunk lid suddenly opens while you’re driving.

If your vehicle has been involved in a rear end accident, it’s a good idea to take it to a professional. The members of Your Hometown Body Shop can be reached for an inspection or damage estimate. Let us help you get safely back on the road.