What is collision coverage?

Collision coverage pays for repairs or replacement of your vehicle if it's damaged in an accident with another vehicle or object, regardless of who is at fault.

Collision coverage pays for repairs or replacement of your car after an accident, regardless of who is at fault. This includes accidents with other vehicles or objects like trees, fences, or guardrails.

If you hit a fence while driving, collision insurance will cover the cost of repairing the damage to your vehicle, even if you’re at fault. It would also cover repair costs if another driver hits you and they don’t have insurance or enough coverage.

Collision coverage is particularly beneficial for newer or higher-value cars. However, if you have an older car, the cost of collision coverage might outweigh the benefits, as the insurance payout may not cover the cost of the premium.