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Ask an Agent: What Is Collision Coverage?

Published: March 2016

Collision coverage helps protect your vehicle. What does that mean? Watch Allstate agency owner Biatris Guzman discuss how collision coverage kicked in for one of her customers after he damaged his car.

Video Transcript

[On-screen] Ask an Agent: What is Collision Coverage?

[Voiceover] My name is Biatris Guzman. My agency is located in Harvard, Illinois, and I have a second location in Loves Park, Illinois.

Collision coverage is an optional component on your automobile policy. It provides coverage for your vehicle should your vehicle be damaged in an automobile accident, and it pays regardless of who's at fault.

[On-screen] Collision coverage

  • Helps protect your car
  • May help pay to repair your car if it's damaged or destroyed by another vehicle

[Voiceover] We recently took a claim where one of our customers had backed out and struck another vehicle. Our customer had opted into collision coverage, which again pays for damage to that vehicle, regardless of who was at fault. And, we were able to provide him right away with some options on how to take care of the repairs, setting him up with one of our claims representatives to prepare an estimate. And we also helped him set up a time and a place for his vehicle to be repaired at the body shop of his choice.

He did have a deductible he needs to pay, which is a certain amount of money that he would pay from his own pocket before the Allstate policy pays.

[On-screen] Deductible: The amount of money you'll pay out of pocket before your insurance kicks in to help pay for a covered loss.

[Voiceover] But he was very happy to realize and understand how quickly the claims process took place and how we were able to get him up and going again in his vehicle.

[On-screen] Learn more about insurance coverage and concepts: www.allstate.com/askanagent

Details are specific to this claim. Each claim is different and handled on a case by case basis.

Coverage subject to terms, conditions and availability. Policy issuance is subject to qualifications. Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Indemnity Company, Allstate New Jersey Property and Casualty Insurance Company. © 2016 Allstate Insurance Company, Northbrook, IL.

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Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2016 Allstate Insurance Company, Northbrook, IL.

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