Damage to Vehicle From Collisions
Auto collision coverage helps cover repairing your vehicle if it's damaged in a collision with another car or object, or due to rollover accidents.
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PROTECT YOUR VEHICLE WITH CAR COLLISION INSURANCE COVERAGE
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Collision Coverage
WHAT IS AUTO INSURANCE COLLISION COVERAGE?
Car collision coverage is insurance that helps pay for repairs if your car is damaged in an accident with another vehicle or object. It provides peace of mind by protecting you from expensive repair costs and financial burdens. This coverage is especially valuable for leased vehicles, ensuring you avoid unexpected expenses. Collision coverage also simplifies the claims process, allowing you to get back on the road with less stress and more confidence, knowing you have the proper protection in place.
WHAT DOES CAR INSURANCE COLLISION COVERAGE INCLUDE?
Damage From Hitting an Object
Collision coverage in auto insurance covers damages caused by hitting objects such as poles, fences, guardrails, curbs, potholes, and barriers.
Damage From Rolling or Flipping
With collision coverage, your insurance assists with the repair costs if your car rolls over or flips due to accidents, weather, or hazardous conditions.
Repair or Replacement of Vehicle
Collision coverage auto insurance ensures your insurer pays for vehicle repairs or replacement after accidents, rollovers, or collisions with objects.
WHAT COLLISION INSURANCE COVERAGE DOES NOT INCLUDE?
While collision insurance covers damage to your car from accidents, there are several things it does not protect against:
Injuries
Collision coverage does not cover medical expenses or injuries to you or your passengers. For medical coverage, you will need medical payments coverage or personal injury protection.
Damage to Others' Property
If you cause damage to someone else's vehicle or property, liability insurance is required to cover the costs.
Theft or Vandalism
If your car is stolen or vandalized, comprehensive coverage is needed, not collision.
Weather Damage
Damage caused by weather-related events, such as hail or flooding, is not covered by collision insurance. You would need comprehensive coverage for that.
Mechanical Failures
Routine maintenance issues, wear and tear, or mechanical breakdowns are not covered by collision insurance.
Driving Under the Influence
If you are involved in an accident while driving under the influence of alcohol or drugs, your collision coverage will not apply.
Intentional Damage
If you intentionally cause damage to your vehicle or someone else’s, collision coverage will not cover the costs.
By understanding these exclusions, you can ensure you're fully protected by adding other types of insurance, like medical or comprehensive coverage.
WHY DO I NEED AUTO COLLISION COVERAGE?
Collision coverage is a crucial component of auto insurance. It protects your car against unexpected expenses that can occur after an accident. With collision coverage, you are shielded from repair costs resulting from collisions with other vehicles or objects, ensuring your car receives the necessary repairs without the burden of out-of-pocket expenses.
This coverage can be essential if your car is leased or financed, as lenders often require it to safeguard their investment. Maintaining collision coverage not only ensures that your vehicle is repaired promptly but also helps in preserving its value, which is essential for long-term financial security.
With this coverage in place, you can drive with peace of mind knowing that you're protected from high repair costs following an accident.
HOW MUCH COLLISION INSURANCE COVERAGE DO I NEED?
U.S. drivers pay approximately $743 per year for collision coverage, although this amount can vary based on several factors. Finding the right collision coverage involves carefully evaluating your vehicle's value, your financial situation, and your risk tolerance. When selecting coverage limits, it’s important to consider not only your car's market value, but also your ability to handle out-of-pocket expenses in the event of an accident.
A higher coverage limit can provide extra protection, but it also comes with higher premiums. Striking the right balance between comprehensive protection and affordable premiums is key. It’s essential to ensure that your collision coverage aligns with your financial capacity and the potential costs of vehicle repairs or replacement. By choosing wisely, you can protect your vehicle while maintaining a premium that fits comfortably within your budget.
HOW MUCH DOES COLLISION CAR COVERAGE COST?
Collision car coverage costs around $743 per year, but the amount can vary. As a component of full coverage, collision coverage pays for damages to your vehicle from an accident. The cost attributed to collision coverage depends on several factors and can make up a significant portion of your overall insurance premium. For example, newer luxury cars generally have higher insurance costs than older vehicles, as repairs are more expensive. Refer to the list below to learn more about factors influencing your cost:
Vehicle Make and Model
Vehicle Age
Driving History
Location
Deductible Amount
Coverage Limits
Annual Mileage
Repair Costs
Credit Score
Insurance Company
Claims History
Driving Frequency
Occupation or Profession
Vehicle Safety Features (e.g., Airbags, Anti-lock brakes)
Type of Coverage (e.g., Comprehensive, Collision)
HOW DOES COLLISION COVERAGE DIFFER FROM COMPREHENSIVE COVERAGE?
Collision coverage protects your vehicle in the event of a collision with another vehicle or object, while comprehensive coverage covers non-collision incidents like theft, vandalism, or natural disasters.
Collision coverage applies when your vehicle is involved in an accident, whether you’re at fault or not, whereas comprehensive coverage covers damages from incidents outside of a collision, such as fire or falling objects.
Collision coverage is activated when your vehicle hits or is hit by something else, while comprehensive coverage is triggered by events that are out of your control, such as weather damage or animal collisions.
Generally, collision coverage tends to have higher premiums compared to comprehensive, since it directly involves accidents that may result in more significant repairs.
With collision coverage, claims are made when the vehicle is damaged in a crash, whereas comprehensive coverage requires claims for damages caused by external factors, like weather events or theft.
SOME QUICK FACTS ABOUT AUTO INSURANCE COLLISION COVERAGE
Approximately 75% of insured drivers in the U.S. purchase collision coverage, providing essential financial protection for their vehicles in the unfortunate event of an accident. (Forbes)
In 2019, the average annual premium for collision coverage was $381, reflecting an 18% increase from 2015 due to rising replacement costs, inflation, and advanced technology. (Policygenius)
The average incurred loss per collision claim increased by 13.08%, from $4,612 in 2018 to over $5,215 in 2020, driven by inflation, labor expenses, and vehicle complexity. (NAIC)
The rise in uninsured drivers, reaching 14% in 2022, contributes to higher collision coverage costs for insured motorists, leading to increased premiums and financial strain. (Wall Street Journal)
Vehicle type, driving record, and location significantly affect collision coverage premiums, with sedans costing more to insure than SUVs due to higher repair costs and frequency. (Policygenius)
GET A FREE CAR COLLISION COVERAGE QUOTE
Looking to get the best car collision coverage? At CINCO, we offer collision insurance solutions tailored to your unique needs.
Our dedicated agents will then reach out to provide personalized options and ensure you secure the best possible premiums.
Prefer a different method? Feel free to call, email, or visit us directly. Get your free car collision coverage quote today and enjoy the convenience of bundling your vehicles under one affordable policy!
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FREQUENTLY ASKED QUESTIONS REGARDING CAR COLLISION COVERAGE
Dropping collision insurance depends on your car’s value and financial situation. If damages to your vehicle exceed its worth or you can pay out of pocket for repairs, it might be unnecessary. However, if you’re leasing or financing, most lenders require it. A higher deductible can also make coverage less cost-effective over time.
Broadened collision insurance cover extends protection, regardless of fault in a car accident. Unlike standard auto insurance, it covers damage to your vehicle even if another driver is responsible. This coverage helps pay for repairs without relying on liability insurance, offering peace of mind and reducing the risk of paying unexpected expenses after an accident involving another car.
You cannot add collision insurance retroactively after an accident involving your car. Insurance companies require coverage beforehand to pay for damage. If you lack car insurance at the time, you'll have to pay out of pocket. Always ensure your insurance coverage is active to repair or replace your car if needed.
Review your auto insurance policy or contact your insurance company to confirm if you have collision insurance coverage. If your plan includes a collision deductible, your insurer will cover the cost of repairs after a car accident. People with leasing or financing agreements often have mandatory insurance coverage to repair their vehicles in the event of damage.
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