Question

Alicia is at the football game on Friday with her friends. On her drive home, she swerves to avoid a piece of debris in the road and slides into a ditch. Alicia is okay, but her car has $8,000 worth of damage. What type (s) of insurance could Alicia use to cover this accident?

Answer 1

Alicia may be able to use her auto insurance to cover the damages to her car resulting from the accident. Specifically, she may be able to use her collision coverage, which is designed to cover damages to a policyholder's vehicle that result from a collision with another object, such as another car or a piece of debris in the road. If Alicia has collision coverage on her auto insurance policy, it should cover the $8,000 worth of damages to her car, minus any applicable deductible. In addition to collision coverage, Alicia may also be able to use her comprehensive coverage to cover the damages to her car. Comprehensive coverage is designed to cover damages to a policyholder's vehicle that are caused by non-collision events, such as fire, theft, or weather-related events. If Alicia has comprehensive coverage on her auto insurance policy, it may also cover the damages to her car, again minus any applicable deductible.

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