I wanted to share a quick insight for anyone in Pittsburgh wondering whether collision insurance is actually necessary or just an extra cost. After dealing with a minor accident in South Side last month, I’ve got a clearer perspective on it now.

So, collision insurance isn’t legally required in Pennsylvania like liability is—but it can be a lifesaver. It specifically helps cover damage to your own car when you’re involved in an accident, regardless of who’s at fault. That means if you accidentally rear-end someone at a red light or slide into a pole during one of our icy winters, collision steps in to pay for repairs (minus your deductible, of course).

It’s different from comprehensive coverage, which handles stuff like vandalism or tree damage. Collision is strictly for car-on-car or car-on-object impacts.

Real talk? With the way Pittsburgh roads are—tight hills, steep inclines, snowstorms in the winter, and those hidden potholes—you’re taking a risk by skipping this coverage. I once hit a curb hard in Oakland and bent my wheel. It would’ve cost hundreds out of pocket if I didn’t have collision coverage on my policy.

Sure, adding it to your plan bumps up the cost a bit, but it could save you thousands when something unexpected happens. If your vehicle is worth a decent amount or it’s your daily driver, it’s definitely worth considering.

I recently found a really helpful breakdown of how collision insurance works in Pittsburgh and how it fits into full auto coverage. It is super useful if you want to understand your options locally.

Anyone else here have a story where collision coverage saved the day? Or maybe you dropped it and regretted it? Curious to hear what others think!

• This topic was modified 6 months ago by  Maria151.