Who might benefit from buying collision coverage?
If your car is financed or leased, the finance company will probably require that you carry this coverage. If you have a newer vehicle or one in excellent condition, you may need this coverage to replace or repair the vehicle in case of loss. If you have an older car or one in poor condition, you may not want to pay for this coverage. Emergency Road Service Emergency Road Service coverage is optional in Virginia. This coverage, sometimes called Towing coverage, pays for the cost of towing your car if it becomes disabled. Emergency Road Service coverage cannot be purchased without collision coverage. How much protection does this coverage provide? The coverage limits you see in your auto insurance quote refer to the maximum amounts that will be paid per incident. Transportation Expense Transportation expense coverage is optional in Virginia. Transportation expense coverage can’t be purchased without collision and Other Than Collision coverage. What’s covered? This coverage pays for the
