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Having car insurance is not only legally required, but it also protects both you and your vehicle. The certified technicians at Kilani Fender, an auto body collision repair shop in central Oahu, have seen too many people come in without collision and comprehensive insurance. They either have to pay out of pocket or find a new method of transportation.

When you get into an accident, the first thing that you have to think about is how you’ll pay for the other driver’s damage. Most states require liability coverage, which covers injuries or damage you cause to another vehicle or person. However, not many states require insurance coverage to pay for your own damages.

fender bender

For more than 40 years, the professionals at Kilani Fender have been performing frame and suspension repair and major auto body collision repair. Based on their experiences, they recommend all drivers purchase collision and comprehensive coverage. Although they are considered optional, you’ll have protection for damages incurred in a crash or any other unforeseen event.

Collision coverage pays for repairs to your car as well as replacement costs if your car is totaled. For example, if it’s raining and you lose control of your car and roll into the median, if you have collision coverage, your insurance will pay to have your vehicle fixed.

Comprehensive coverage pays for repairs if your car is damaged by anything that isn’t accident related, such as fire, theft, vandalism, falling objects, hitting an animal, or natural disasters. For example, if you are on a road trip and you hit a deer, comprehensive coverage will cover the cost of having your window replaced.

Although it can be tempting to only purchase liability insurance, the certified technicians at Kilani Fender highly recommend against it. According to the Insurance Information Institute, about 77% of all U.S. drivers buy comprehensive coverage and 72% buy collision. If you only go with the bare minimum, it could cost you much more in the long run if you cause an auto accident. To make sure you don’t have to pay out of pocket for damages caused by fender benders or major car accidents, purchase collision and comprehensive coverage.

When thinking about insurance, it's always best to go with more than less. The staff at Kilani Fender have seen firsthand what happens to those without collision and comprehensive insurance. They recommend spending a bit extra to upgrade your policy to full coverage—you never know what life will toss your way. 

For more information about the repairs offered at Kilani Fender, visit the website, or call the auto body collision repair shop in Central Oahu at (808) 621-4888.

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