Collision Car Insurance Coverage

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What is collision car insurance coverage?

This refers to the car insurance policy that will fix damages to your car when something collides along with your vehicle. In the majority of states, the coverage applies only when you’re at-fault in an incident or don’t know who caused the damage made by another car.

Collision car insurance covers your vehicle alone, not anyone else’s. This kind of insurance is different from Comprehensive Car Insurance Coverage that pays for the repair from other forms of accidental damage which is unrelated to collisions like falling objects, theft, and fire.

Collision coverage covers only damage to your vehicle. It won’t offer coverage when you hit another driver’s vehicle. This kind of insurance, also called property damage insurance is a portion of your liability coverage. That is needed for licensed drivers in nearly all states with some exceptions.