What Is Collision Insurance?
Collision coverage is protection for your vehicle that pays to repair it after a crash. Collision insurance typically applies to at-fault accidents but also may provide coverage to your automobile if another driver hits you and they don’t have insurance.
Collision coverage is optional on an auto insurance policy unless you bought a car with leasing or financing. A loan or lease often requires collision coverage with certain deductible amounts. Learn more about car loans.
When you combine collision coverage with comprehensive coverage, you have full coverage on your car. When you make a collision claim, you pay the deductible for your portion of the claim, and the insurance company pays the rest. You usually choose the deductible when you start the insurance policy.