Collision Coverage

What is collision coverage?

Collision coverage helps pay for the cost of repairs to your vehicle if it's hit by another vehicle. It may also help with the cost of repairs if you hit another vehicle or object. That means you can use it whether you're at fault or not. Unlike some coverages, you don't select a limit for collision. The most it will pay is based on the actual cash value of your vehicle. You will be responsible for paying your selected deductible.

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What kind of accidents does collision cover?

Collision helps cover damages to your vehicle if it:

  • Hits another vehicle
  • Is hit by another vehicle
  • Hits an object like a fence or sign

You can file a collision claim regardless of who is at fault.

What damage is not covered by collision coverage?

Collision only provides coverage for damages to your vehicle. That means it wouldn't pay for damage to another person's vehicle or property. Collision also doesn't cover all damage to your vehicle. Examples of damages not covered are:

  • Theft
  • Vandalism
  • Floods
  • Fire
  • Hitting an animal

If you'd like to know more about coverage for these kinds of damages, check out the comprehensive coverage page.

You may also want to consider adding rental reimbursement coverage. This will help if you need transportation while your car is being repaired.

Why should you buy collision coverage?

Collision coverage:

  • Can be used no matter who's at fault
  • Helps pay for repairs, over your deductible, so you're not stuck paying the entire bill on your own
  • May allow you to start repairs for your damages while the claim is being investigated

If your vehicle is financed or leased, your lienholder may require you to have collision and comprehensive coverage. This helps to protect their interest in the vehicle.

What is a collision deductible?

A collision deductible is the amount you've agreed to pay before the insurance company starts paying for damages. You can think of it as how much of the financial risk you're willing to take on if you're in an accident. Typically, the more risk you're willing to take (higher deductible), the lower your insurance cost would be. The less risk (lower deductible), the higher your insurance cost would be.

Let's say you're involved in an accident that causes $1,000 in damage to your vehicle and you have a $250 deductible on your collision coverage. You'll pay the first $250 in damage, normally to the body shop, and then your insurance will pay the remaining $750.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.