Auto Collision Insurance
Auto Coverage - Collision
Collision coverage pays for repair or the actual cash value of the insured's vehicle if it collides with another vehicle, flips over, or crashes into an object (except animals), regardless of who causes the accident.
Auto Coverage - Stated Value
Instead of straight "actual cash value" coverage , there is an endorsement that allows for specific limits. This is also known as a "stated value" policy . These limits can apply to a policy including only Comprehensive Coverage or a policy that includes both Comprehensive and Collision Coverage . The most the company will pay in the event of a loss is still the actual cash value or the cost to repair, up to the "stated amount.
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