Any car owner knows how important it is to stay on top of vehicle upkeep and make repairs as soon as they come up. While these are things that anyone can do to keep their vehicle in good shape, some issues are beyond anyone’s control. Accidents, for example, can come out of nowhere, and they can be a major financial burden, even with traditional auto insurance. Even the safest drivers may eventually need to repair their vehicle after a collision, and having a comprehensive protection plan in place can be a big help.

Endurance’s Elite Benefits program is included for one year when you activate any Endurance vehicle service contract and provides added perks designed to support you on the road.* One of these benefits, a collision discount, is designed to help offset certain out-of-pocket costs that may remain after an auto insurance claim. Knowing what these benefits are and how they can save you money after a collision will help you decide if they are right for your coverage plan.

What Is Collision Coverage and How Does It Work?

While nearly every state requires drivers to have liability insurance of some kind, you don’t always have to have collision coverage. Liability insurance covers the cost of repairing someone else’s vehicle, while collision insurance covers the cost of repairing your own. If you get into an accident or hit something that only damages your vehicle, you could be on the hook for those repairs without collision coverage.

Many collision plans will have a deductible of some kind before the insurance kicks in, but they can still save you a lot of money if you want to get your car back in good condition after an accident. Collision coverage is typically provided through an auto insurance policy, while some third-party extended car warranty providers offer supplemental benefits that can help with certain post-accident expenses.

How to Use Collision Coverage Through Elite Benefits

With Endurance’s Elite Benefits program, you may be eligible to receive up to $500 as a collision discount toward qualifying out-of-pocket repair costs. If your car is involved in an accident and needs repairs, your insurance may only pay for a portion of it, depending on your coverage.

With the Elite Benefits collision coverage, you can get up to $500 in collision coverage should you be responsible for anything out of pocket. To take advantage of this reimbursement benefit and proceed with the claims process, you must alert your Elite Benefits administrator within five days after the collision has been reported to your insurance company.

All you have to do is submit a copy of the Collision Discount Claim form, the collision repair order, your insurance policy, the settlement check from the insurance company, and the documentation from your insurance company that details the nature of the repairs. You have 30 days to submit these documents to your administrator, and, if approved under program terms, you may receive up to $500 toward eligible out-of-pocket expenses. This can be a major help if you want to protect your bank account in the event of a car accident.

The Value of Elite Car Coverage for Peace of Mind

An accident can be stressful, and there are many things to keep in mind. While insurance can help pay for repairs and replacements, the chances are good that there will be some out-of-pocket expenses to take care of after the reimbursement coverage. When this happens, having Elite car coverage for your vehicle can help.

Knowing that you will be able to help reduce eligible out-of-pocket costs and manage post-accident expenses, even after an expensive car accident, will allow you to drive with confidence and rest easy whenever you are behind the wheel. Driving safely is important, but when something happens that cannot be avoided, you will be glad you thought ahead and got the coverage you needed.

Choose Endurance Warranty for Your Mechanical Breakdowns

Endurance’s Elite Benefits add-on is a great way to save money after an accident, but Endurance offers coverage options far beyond collisions. Endurance’s complete mechanical breakdown coverage lets you protect your used car no matter what happens.

With vehicle protection plans ranging from the most basic powertrain protection (Secure Plus) all the way up to exclusionary coverage (Supreme), you can get help paying for covered mechanical breakdown repairs, with Elite Benefits offering additional support in certain accident-related situations. Plus, Endurance auto protection plans cover vehicles that other providers won’t, such as Canadian Gray Market cars, vehicles with a salvage or rebuilt title, and cars used for rideshare or delivery.

In addition to top-notch coverage and the optional Elite Benefits perks, Endurance customers get a large suite of standard benefits. These include things like 24/7 roadside assistance and towing, rental car reimbursement, and trip interruption coverage. On top of collision discounts, the Elite Benefits program also comes with tire repair or tire replacement and key fob replacement, so you can add an extra layer of protection for many common driving situations.

Get Comprehensive All-Around Protection With Endurance

Auto insurance is an important requirement for any driver, but having protection that goes beyond traditional coverage can be a big help. With the collision coverage that comes with Endurance contracts under our Elite Benefits program, you may be able to reduce certain repair and replacement costs when your vehicle is damaged. Plus, with all the other protection that comes with an Endurance Warranty plan, you can drive comfortably and safely in all kinds of covered repairs. Endurance has custom plans available for cars and drivers of all kinds. Whether you have an older high-mileage vehicle or an exotic or luxury car, there is a plan that will get you the vehicle security you need.

If you’re ready to explore comprehensive vehicle protection options for yourself and your car, get in touch with our award-winning customer service team at (800) 253-8203 for a FREE quote. You can also shop online to get an instant price preview so you can make the right decision.

Be sure to check out the Endurance blog for more helpful resources and FAQs. There, you will find DIY guides, provider comparisons, mechanical breakdown insurance information for California residents, and much, much more.