Collision coverage
Pays toward repairing or replacing your vehicle after a crash, subject to a deductible.
Plain definition
Collision coverage insures your vehicle against damage from contact with another vehicle or object, or from rollovers, minus your collision deductible. It is usually optional unless a lender requires it.
Why it matters
Without collision, you self-fund repairs after at-fault crashes or single-car accidents. Deductible choice directly trades premium against out-of-pocket repair costs.
Example
You hit a guardrail. Collision pays covered repair costs above your $1,000 deductible if the claim is approved.
Common misunderstanding
Collision is not liability—it does not pay the other driver’s damages. It is also separate from comprehensive (theft, hail, animal strikes).
Policy language always controls. This is educational content, not advice. See our disclaimer.