What is Collision Coverage?

            Collision coverage in auto insurance is a type of coverage that helps pay for the cost of repairing or replacing your vehicle if it is damaged in an accident, regardless of who is at fault. This coverage applies to collisions with other vehicles, objects like trees or guardrails, and even single-car accidents such as rolling over. Unlike liability insurance, which covers damages to other people's property, collision coverage specifically protects your own vehicle. It is usually required if you have a car loan or lease, but optional if you own your car outright.

           While collision coverage can be beneficial, it comes with a deductible, which is the amount you must pay out of pocket before your insurance covers the rest. Higher deductibles typically result in lower premium costs, while lower deductibles mean higher premiums. Collision coverage does not cover damage from theft, vandalism, or natural disasters—those types of risks fall under comprehensive coverage.