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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

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.

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 him options on how to take care of the repairs, setting him up with one of our claims representative 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, 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.

Quality Auto Coverage Starts Here.

When you drive with quality coverage, you drive with peace of mind. Allstate auto insurance can help you stay protected for wherever the road takes you.

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This content is for informational purposes only and may not be applicable to all situations.

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. © 2019 Allstate Insurance Company, Northbrook, IL.
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