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Definition
Collision coverage pays to repair or replace your own vehicle after it collides with another vehicle or object, regardless of fault. That means whether you hit a guardrail, another car, or a tree, this coverage helps cover your car's damage after you pay your deductible. Collision is generally optional, but if you finance or lease your vehicle, your lienholder will usually require it to protect their interest in the car. It does not cover the other driver's vehicle or your medical bills. When you combine collision with comprehensive coverage, which handles non-collision events like theft, fire, or hail, you get what's commonly called 'full coverage.' Premiums, deductibles, and payout limits vary by insurer, vehicle value, and your driving history, so compare quotes before deciding how much protection you need.
Also Known As
Collision insurance
Coll coverage
Part of full coverage
Auto collision protection
Used in Context
- After rear-ending another driver, you filed a collision claim and paid your deductible to get your bumper repaired.
- Your auto lender required collision coverage as a condition of the loan, so you added it before driving the financed car off the lot.
- A shopper who came in through Dreamy Leads asked whether collision and comprehensive together gave them the 'full coverage' their lease demanded.
Is collision coverage required by law?
No, collision coverage is generally optional and not required by state law. However, if you lease or finance your vehicle, your lienholder will typically require it as a condition of the loan to protect the car's value until it's paid off.
Does collision pay if the accident was my fault?
Yes. Collision coverage pays to repair or replace your own vehicle after a crash regardless of fault. So even if you caused the accident or hit a stationary object like a pole, your collision coverage can help cover your car's damage after your deductible.
What's the difference between collision and comprehensive?
Collision covers damage to your car from hitting another vehicle or object. Comprehensive covers non-collision events like theft, fire, vandalism, or hail. Together they're often called 'full coverage.' Many drivers carry both for broader protection on their own vehicle.
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