John S Kiernan, Managing Editor
@John
Collision insurance covers damage to your car after a crash with another vehicle, regardless of who is at fault. Collision coverage also applies if you hit a stationary object like a tree or mailbox, if you're in a single-car accident like a rollover, or if there's damage from road hazards like potholes.
What Collision Insurance Covers
Covered
- Hitting another vehicle
- Being hit by another vehicle
- Hitting an object like a mailbox
- Single-car accidents like rollovers
- Hitting a road obstruction like a pothole
Not Covered
- Damage to your vehicle unrelated to driving
- Damage to someone else’s vehicle
- Medical bills for anyone involved in the collision
- Damage from animals
- Damage from floods or fires
Collision insurance is a bit different than other types of auto coverage because you won’t need to select a limit. Instead, the most that collision insurance will pay is the actual cash value of your car—essentially what you could have sold the car for before the damage occurred. Further, you can file a collision claim and receive coverage regardless of who is at fault for the collision.
If you want to learn more about collision insurance and what it covers, check out WalletHub’s guide to collision insurance.
People also ask
What happens if I have no collision coverage?
If you have no collision insurance, your vehicle will have no coverage under your car insurance policy if you cause an accident. When you’re at-fault for an accident and do not have collision insurance, you must pay out of pocket to repair or replace your own vehicle. Collision insurance usually is not needed if the other driver is at-fault, since their liability insurance will pay for damage to your car.
Collision insurance can sometimes be helpful...
read full answer by WalletHub, Financial CompanyIs it better to have comprehensive or collision?
It is better to have both comprehensive and collision insurance, as the combination is usually required for full coverage. Comprehensive insurance covers damage due to events beyond your control, while collision insurance covers crashing into another car or object.
Why You Should Get Both Comprehensive & Collision Coverage
If your car is leased or financed, your lender or lessor will likely require you to purchase comprehensive and collision insurance together. But even if you...
read full answer by WalletHub, Financial CompanyDid we answer your question?
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