What Is Collision Auto Insurance

If your car is paid off collision is an optional coverage on your car insurance policy.

What is collision auto insurance. A policy with liability collision and comprehensive coverage is often referred to as full coverage. Collision car insurance definition. Collision coverage pays to repair your own car s damage when you hit another vehicle or object. Auto collision insurance is a type of coverage that helps pay to repair or replace a vehicle damaged in a car accident.

Collision and comprehensive car insurance are often sold together as a package by auto insurers. Collision insurance sounds pretty straightforward but it won t cover every bill after a crash. This type of insurance is often added as. In essence collision insurance covers your damage expenses resulting from an accident.

Collision insurance is a coverage that helps pay to repair or replace your car if it s damaged in an accident with another vehicle or object such as a fence or a tree. Minor dents and dings up to full blown car crunching can be repaired or the insurance company can at least pay out enough money to make you whole again. Collision insurance is auto coverage that reimburses the insured for damage sustained to their personal automobile due to the fault of the insured driver. Collision insurance is the type of car insurance that covers financial expenses arising from damages your vehicle sustained in an accident.

Both play an important role in keeping your vehicle in tip top shape. Comprehensive and collision are the two types of physical damage coverage available on car insurance policies. In a nutshell collision insurance can help cover the cost of repairing or replacing your vehicle after it s been damaged in an accident. The standard rule of thumb used to be that car owners should drop collision and comprehensive insurance when the car was five or six years old or when the mileage reached the 100 000 mark.

This type of coverage is typically optional if you own your car outright but if you lease or finance your car your lender will likely require it. That means that if you drive your car into another car a fence a pole or a tree or if you roll or flip your car collision insurance covers the damage. It specifically deals with accidents that occur while the insured person is driving and applies to the insured person s vehicle.