Collision Car Insurance
Collision car insurance helps pay for repairs or replacement of your vehicle after an accident — regardless of who is at fault. It’s especially valuable if you drive a newer vehicle or want protection from costly damage due to collisions with other cars or objects.
What Does Collision Insurance Cover?
This coverage applies when your car is physically damaged in a crash. Covered incidents include:
- Accidents involving other vehicles
- Collisions with stationary objects (guardrails, poles, fences, etc.)
- Single-car rollover accidents
- Hit-and-run accidents (depending on policy and state laws)
What’s Not Covered by Collision Coverage?
Collision coverage only applies to physical damage from an accident. It does not cover:
- Damage caused by weather, fire, or theft (covered by comprehensive insurance)
- Medical expenses for you or passengers (covered by PIP or MedPay)
- Damage to other people’s vehicles or property (covered by liability insurance)
Who Needs Collision Insurance?
Collision coverage is optional if you own your car outright. However, it’s often required by lenders or leasing companies. It’s a smart choice for drivers who:
- Drive newer or high-value vehicles
- Commute daily or drive in high-traffic areas
- Can’t afford major out-of-pocket repair bills
How Collision Insurance Works
When you file a claim, your insurer pays the repair or replacement cost, minus your deductible. Typical deductibles range from $250 to $1,000. Choosing a higher deductible can lower your premium but increases what you’ll pay out of pocket after a crash.
Collision vs. Comprehensive Coverage
Many drivers pair collision with comprehensive coverage for full protection. Collision covers accident damage; comprehensive covers non-accident events like hail, theft, or fire. Together, they form the core of a full coverage policy.
Is Collision Insurance Worth It?
If your car is worth more than a few thousand dollars or you can’t afford a major repair bill, collision coverage can be a financial lifesaver. However, it may not be cost-effective for older, low-value vehicles.
Get Covered Before You Crash
Accidents happen. With collision insurance, you won’t be left paying thousands for repairs out of pocket. Add it to your policy for greater peace of mind.