Collision coverage is a type of auto insurance that helps cover the cost of repairing or replacing your vehicle if it is damaged in a collision with another vehicle or object. This type of coverage is typically optional, meaning that you can choose to purchase it as part of your auto insurance policy if you want to be covered for collision-related damages.
If you have collision coverage, your insurance company will typically pay for the cost of repairs or replacement up to the limits of your policy. You may be required to pay a deductible, which is a set amount that you agree to pay out of pocket before your insurance company will cover the remaining costs.
Collision coverage is typically recommended for drivers who have a newer or more expensive vehicle, as the cost of repairing or replacing these types of vehicles can be significantly higher than the cost of repairing an older or less expensive vehicle. It is important to carefully review your insurance policy to understand what is and is not covered by your collision coverage.
