Collision Insurance

Collision coverage repairs the damage to your vehicle (or replacement if totaled) in an “at fault” accident.  You are responsible for the first dollars based on your deductible, typically $500. 

On occasion, even if the accident is not your fault, your Collision will pay for your vehicle, particularly in the case of a dispute with the other party, and the damages are then “subrogated” to the responsible party’s insurance for reimbursement. 

In a “hit and run”, Collision coverage is used to pay for repairs.  This policy feature is required if you lease or have a loan on your vehicle, to protect the lienholder.

Filing Collision claims typically have a negative affect your rates at renewal.