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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

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Reviewed by Joshua Adamson
Joshua Adamson

UPDATED: May 9, 2016

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What is Collision Insurance?

Collision insurance covers what it sounds like-the damages to your vehicle after a collision. This could be with another car or object, such as a tree or pole. Your limits and deductible determine the amount you pay versus the amount your insurance provider pays.

If you’re in a car accident, collision insurance covers damage to your car or the cost to replace it if it’s a total loss. Your insurance covers any excessive damages past the other driver’s coverage limits, less your deductible.

Deductibles and Limits

When you purchase collision coverage, you select a deductible, which is the amount you pay for repairs or replacement costs before the insurance coverage kicks in. The provider covers any remaining damages or replacement costs until it reaches the limits of your policy. Typically, deductibles range from $0 to $1,000, and the higher the deductible you choose, the lower your premium. You then choose the limits of how much your provider covers after you pay your deductible, which also affects how much you pay each month.

When deciding how high of a deductible you want to pay, consider your financial situation as well as your car’s age, condition, and value. You’ll want to weigh your options and decide whether paying a higher deductible is more affordable for you or if you’d be better off with a higher monthly payment.

Collision insurance covers what it sounds like-the damages to your vehicle after a collision.

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What Collision Insurance Doesn’t Cover

If you’re in an at-fault car accident, collision insurance does not cover the other driver’s property damages or medical costs, as liability insurance takes care of that. If something other than a collision causes damage to your car, such as a natural disaster or falling debris, or if someone steals your car, that’s where comprehensive car insurance kicks in.

If you are looking for collision insurance, let us help. Call and speak with a licensed agent today.

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