Collision Coverage
Pays to repair or replace your own car after a crash with another vehicle or object — regardless of fault.
Collision coverage pays for damage to YOUR car when you hit something — another vehicle, a pole, a tree, a guardrail. It pays regardless of who was at fault, though in a not-at-fault accident your carrier will typically pursue the other driver's insurance to recoup the cost (called subrogation).
Collision is optional in all 50 states but typically required by your auto lender if you're financing or leasing. Once your car is paid off and worth less than $4,000-$5,000, many people drop collision because the maximum payout (your car's value) wouldn't justify the premium.
Collision has its own deductible separate from comprehensive. Common deductible choices: $500, $1,000, $2,000. Choosing a $1,000 deductible instead of $500 typically saves $80-$150/year per vehicle.
Collision does NOT cover: stolen vehicles, hail damage, fire, vandalism, or hitting an animal — those fall under comprehensive coverage. It also doesn't cover injuries (those are under medical payments, PIP, or the other driver's liability).
Related terms:Comprehensive Coverage·Deductible·Liability Coverage
Related Geneva services:Auto Insurance