Accidental damage can happen when you least expect it, and having car insurance to cover it can offer great peace of mind. Here’s what you need to know about accidental damage coverage.

What Regular Car Insurance Covers

The amount of coverage available in your car insurance policy isn’t the same across the board. But, in Pennsylvania, you’re legally required to carry at least 15/30/5 of liability insurance, as well as bodily injury, property damage, and personal injury protection (PIP) coverage.

But, if you want accidental damage coverage, you will need to purchase a car insurance policy above these minimum requirements. There are two types of car insurance that cover accidental damage to your vehicle — comprehensive and collision.

Comprehensive Coverage

Comprehensive coverage is a type of car insurance that will cover repairs to your vehicle caused by something besides a vehicle-on-vehicle collision. This can include weather damage, slashed tires, cracked windshields, theft, and more. If you want accidental damage coverage, this insurance may be a necessity.

Collision Coverage

Collision coverage will cover repairs to your car if you are in a car accident, even if you’re at fault. While it may seem surprising, the state-minimum car insurance requirements in Pennsylvania will not cover damages to your vehicle. If you purchase the minimum, you’re only covered for legal fees for at-fault accidents, medical bills for injuries caused to others, and personal injuries.

Full Coverage

The best car insurance for accidental damage is considered “full coverage” car insurance. This includes the state minimum as well as comprehensive and collision coverage.

This coverage will, of course, cost more than your standard auto insurance policies, but they provide substantial protection. The average annual cost for full coverage car insurance in Pennsylvania is $970.51.

If you’re concerned about the cost of full coverage insurance but need the protection, the best place to start is by comparing insurance providers in your area. Getting multiple quotes is the best way to not only get an idea of how much you need to account for in your budget, but can also lead you to the best possible deal.

Take the Path to Better Insurance

We know car insurance, and we can walk you through your options to find your best coverage, even if you don’t know how to get started. To learn more, text Remco Insurance Services at (267) 692-8296, or call (215) 357-7878.