Collision: Contact with a Physical Object
Auto Collision insurance coverage pays for damage to your covered vehicle (up to its actual cash value), less the deductible amount, for losses caused by collision. Collision means contact with a physical object, such as another vehicle or a structure.
Insurance Coverage availability varies by state.
Determining Your Limits for Auto Collision Insurance Coverage
If you plan to purchase auto collision coverage, selecting a higher deductible generally helps to reduce the cost of your auto insurance. Auto collision insurance coverage is available only if you carry comprehensive auto insurance coverage as well.
When Collision Coverage Comes in Handy
Let's say you're enjoying a drive down a back road when suddenly, an icy patch of pavement causes your car to skid into a tree.No one is harmed – but your car suffers significant damage to the front end.
Luckily, your collision insurance can help pick up the tab. If you didn't have collision coverage, you could be stuck having to pay for the repairs out of pocket.