Collision coverage helps pay for damage to your vehicle after an accident involving another vehicle or object. Whether you drive a new car, finance your vehicle, lease a vehicle, or simply want added protection against expensive repair costs, collision insurance may help reduce your financial risk after a covered accident.
At The Auto Insurance Network, we help drivers compare collision coverage insurance options from participating providers nationwide.
Explore affordable collision insurance options and find protection designed for your vehicle and budget.
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Collision coverage is a type of auto insurance that helps pay for repairs or replacement costs for your vehicle after a collision-related accident.
Unlike liability insurance, which covers damage you cause to others, collision coverage helps protect your own vehicle.
Collision insurance may apply after accidents involving:
Coverage terms and limitations vary by provider and policy.
Collision coverage may help pay for:
Repairs related to covered accident damage.
If your vehicle is declared a total loss after a covered accident, collision coverage may help pay the vehicle’s actual cash value, minus your deductible.
Coverage may apply even if no other driver is involved.
Some hit-and-run accidents may fall under collision coverage depending on the situation and state laws.
Collision insurance generally does NOT cover:
These situations may instead fall under comprehensive coverage or other policy types.
Whether collision insurance is worth it depends on factors such as:
For older vehicles with low market value, some drivers may choose to remove collision coverage if repair costs exceed the vehicle’s worth.
Collision coverage may be beneficial for:
Repair costs for modern vehicles can be extremely expensive due to advanced technology and parts.
Lenders and leasing companies often require collision coverage until the loan or lease is fully paid off.
Collision coverage may help reduce out-of-pocket expenses after accidents.
Areas with heavy traffic may increase accident risk.
The Auto Insurance Network helps drivers:
Whether you need protection for a financed vehicle or simply want greater peace of mind after accidents, we help simplify the insurance comparison process.
The Auto Insurance Network is not an insurance carrier or agency. We connect consumers with insurance providers and partners within our network. Insurance rates and coverage availability vary based on individual qualifications and state regulations.
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