That is the part of your insurance that pays for damage to your vehicle, when you are At Fault, if you are involved in an accident. This is coverage would need to be purchased in addition to your regular liability insurance.
Collision is a coverage that usually applies when you "collide" with another vehicle.
You can get insurance to cover collision in Illinois. Simply check with your automobile insurance provider and add collision coverage to your coverage.
Comprehensive is a type of coverage you can add to an automobile policy. Comprehensive coverage is a physical damage coverage that includes damage to your vehicle that is not included in collision coverage. Collision coverage is damage done when you hit something or turn the vehicle over. Comprehensive includes fire, theft, vandalism, and animal collision. You can have comprehensive without collision but not collision without comprehensive.
In automobile insurance, collision coverage provides for repairing a vehicle when it is damaged due to the fault of the insured. Liability insurance provides for cost of repair of the OTHER vehicle if you damaged it.
Collision is a coverage that usually applies when you "collide" with another vehicle.
Collision coverage covers accidents you are at fault for. Their insurance should pay for any damages to your vehicle.
No it isn't.
The insurance company would not have required you to get insurance coverage, as it is an optional coverage from the insurer's standpoint. The bigger issue is that the company through which you financed the car would have required collision coverage because it was interested in protecting the value of the collateral. Therefore, it may have obtained "forced-placed" collision coverage on the car and charged the premium to you (through your car payment). If that was done, you would normally have rec'd notice of it and been given a chance to get collision coverage and produce proof of it. Furthermore, collision coverage would have to have been in force at the time of the collision; it would not be retroactively applied to cover the loss.
Collision is a slang term for coverage on your car if you cause the accident.
When you arrange for auto insurance, you have a number of options for the type of coverage you want. Collision repair is one of those options. If the vehicle is financed, collision and comprehensive coverage are required. If coverage exists, refer to the policy for details. www.insurance.com
Then you are in luck !! If you have comprehensive coverage, because that is the coverage that covers an animal hit.
If you have collision coverage, then it should.