What Is Collision Car Insurance?
Collision insurance pays for damage to your vehicle after an accident — no matter who’s at fault. It’s especially important if you drive a newer or financed car and want protection from costly repairs.
What Does Collision Insurance Cover?
This coverage applies when your vehicle is damaged in a crash. It typically includes:
- Accidents with other vehicles (at fault or not)
- Hitting objects like poles, guardrails, fences, or buildings
- Single-car rollover accidents
- Some hit-and-run scenarios (depends on state and policy)
What Isn’t Covered?
Collision insurance only covers accident-related damage to your car. It does not cover:
- Weather, fire, or theft damage (comprehensive insurance covers this)
- Medical bills for you or passengers (PIP or MedPay may apply)
- Damage to others’ vehicles or property (liability insurance handles this)
Who Should Consider Collision Coverage?
This coverage is optional if you own your vehicle outright, but may be required by lenders or leasing companies. It’s a smart choice if you:
- Drive a newer or high-value car
- Regularly commute or drive in heavy traffic
- Can’t afford a surprise repair bill after a crash
How Does Collision Insurance Work?
If your car is damaged in a covered crash, your insurer pays for repairs or replacement (minus your deductible). Deductibles usually range from $250 to $1,000. A higher deductible lowers your premium, but increases your out-of-pocket cost after an accident.
Collision vs. Comprehensive Coverage
Many drivers bundle collision with comprehensive insurance for full protection. Here’s the difference:
- Collision: Covers accident-related damage (hitting cars, objects, rollovers)
- Comprehensive: Covers non-crash events (theft, fire, hail, flooding, etc.)
Together, they make up a full coverage policy.
Is Collision Coverage Worth It?
It depends on your vehicle’s value and your financial situation. If your car is worth several thousand dollars or you’d struggle to cover repairs yourself, collision insurance offers important peace of mind. But for older, low-value vehicles, it may not be worth the premium.
Protect Yourself Before a Crash Happens
Accidents are unpredictable. Collision insurance can help you avoid unexpected repair bills and keep your finances intact. Add it to your policy before you need it — not after.