Collision Coverage

What is collision coverage?

Collision coverage can help protect you from paying costly fees to repair or replace your car.

Drive with peace of mind

Adding collision coverage to your policy can help you be better protected for wherever the road takes you.

Understanding collision coverage

It's important to prepare for the unexpected when you're behind the wheel. See what collision coverage can do to help protect you and your vehicle.

Collision coverage

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Collision coverage helps repair or replace your vehicle after an accident, regardless of fault.

If you owe money on your car loan, or lease your vehicle, it's required. Otherwise, it’s optional.

Collision Coverage helps you avoid paying out of pocket for costly repairs. Or, if it's a total loss, pays to replace your car – up to its actual cash value.

One thing to remember is that you're responsible for paying your deductible—a set dollar amount that goes toward repairing your car.

You can choose a high deductible to keep your premium low, or a lower deductible to reduce how much you pay out-of-pocket after an accident.

Accidents can be expensive—you'll want coverage to protect you if one happens.

That’s what collision coverage will do for you.

What does collision insurance cover?

Collision insurance can help protect you if:

You hit another car
You hit a stationary object
Someone or something hits your parked car

Collision deductible

Typical deductibles for collision insurance range from $0 to $1,000; the higher your deductible, the lower your premium. If you're in an accident, any amount above your deductible will be covered subject to your policy terms and conditions.

Your car's cash value

When considering collision coverage, it's important to remember your car's cash value. If it's worth close to or less than your deductible, this type of insurance may not be for you.