{"id":2441,"date":"2024-06-24T08:52:56","date_gmt":"2024-06-24T13:52:56","guid":{"rendered":"https:\/\/going-places.thegeneral.com\/what-is-collision-insurance\/"},"modified":"2025-08-27T10:03:29","modified_gmt":"2025-08-27T15:03:29","slug":"what-is-collision-insurance","status":"publish","type":"post","link":"https:\/\/www.thegeneral.com\/going-places\/blog\/car-insurance\/what-is-collision-insurance\/","title":{"rendered":"What Is Collision Insurance and What Does It Cover?"},"content":{"rendered":"\n<p><span data-contrast=\"none\">No matter how carefully you may drive or what safety features your vehicle may have, car accidents are an unfortunate part of life. In the blink of an eye, a distracted driver can run a red light or miss a stop sign, resulting in an accident with another driver. In this situation,\u202fcollision insurance\u202fcan help you return to normal.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">The odds are good that you will need collision insurance at some point in your life. Data from the\u202fNational Highway Traffic Safety Administration\u202fshows that in 2018 alone, there were a total of 6.7 million traffic accidents reported in the United States. That equates to an average of nearly 13 accidents every minute, or 202 accidents for every 100 million miles driven by all vehicles on public highways.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">By understanding how collision insurance works, you\u2019re better prepared to take on whatever life throws at you in the future.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-defining-collision-car-insurance\"><span class=\"NormalTextRun SCXW32048420 BCX0\">Defining<\/span><span class=\"NormalTextRun SCXW32048420 BCX0\"> Collision Car Insurance<\/span><\/h2>\n\n\n\n<p><span data-contrast=\"none\">Collision insurance is designed to cover losses to your vehicle in the event it crashes into another object. You don\u2019t need to collide with another vehicle to file a collision insurance claim. Depending on the situation, collision car insurance can cover damages from accidents with stationary objects or damage from losing control of your vehicle.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">For example, let\u2019s say you\u2019re driving home on a cold winter night\u2014you don\u2019t notice a patch of ice over the road, and you suddenly lose control of your vehicle. If you end up spinning out and hitting a guardrail, your\u202fcollision car insurance\u202fmay cover the cost of repairs to your vehicle.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">Unfortunately, not all accidents are covered by\u202fcollision insurance. In another example, imagine driving down a winding country road. Without warning, a deer jumps in front of you, and you hit it with your car. The damages caused by the deer accident may not be covered by\u202fcollision car insurance because animal damage is typically covered by comprehensive insurance benefits. But if you were to swerve to miss the deer and end up hitting a tree,\u202fcollision coverage\u202fcould offer benefits to repair the damages from the accident.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-collision-insurance-the-same-as-liability-insurance-nbsp\"><strong>Is Collision Insurance the Same as Liability Insurance?&nbsp;<\/strong><\/h2>\n\n\n\n<p><span data-contrast=\"none\">With so many options, it can be hard to differentiate between types of coverage. Collision insurance is different from\u202f<\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/what-is-liability-car-insurance\/\"><span data-contrast=\"none\">liability insurance<\/span><\/a><span data-contrast=\"none\">. Collision car insurance\u202fis not considered a requirement for minimum coverage in any state, whereas liability insurance is usually required in some form regardless of where you live. Contact your state\u2019s\u202fmotor vehicle office\u202for an\u202finsurance agent from The General to determine exactly how much coverage you need.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">If your plan has both, collision insurance\u202fand liability insurance work in tandem to cover different situations.&nbsp;While\u202fauto collision insurance\u202fmay cover the damages or losses to your vehicle, liability insurance may provide coverage if you are found \u201cat fault\u201d for an accident. Liability insurance often covers property damage and any bodily injuries the other party sustains in an accident with your vehicle.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-collision-insurance-the-same-as-comprehensive-coverage-nbsp\"><strong>Is Collision Insurance the Same as Comprehensive Coverage?&nbsp;<\/strong><\/h2>\n\n\n\n<p><span data-contrast=\"none\">If you\u2019ve ever financed a car, you might have heard your insurance agent talking about requirements for both\u202fcollision and comprehensive insurance. While they\u2019re often grouped together, they usually cover different situations.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">While\u202fcollision insurance\u202fmay cover the cost of repairing your car in the event of an accident, it doesn\u2019t cover everything that could happen. If a natural disaster (like a tornado or hurricane) causes parts of a roof, or even another car, to hit your vehicle and cause damages,\u202fcollision coverage\u202fmay not pay for repairs.&nbsp;The same is true for other incidents, including fires and falling objects. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">Instead of relying on\u202fcollision coverage, comprehensive car insurance covers many other unpredictable situations, including vandalism, civil disturbances or protests, theft, and natural disasters. The biggest advantage of comprehensive car insurance is that it covers multiple situations that you may not be able to afford out of pocket. For example, if a rock hits your windshield and cracks it, comprehensive insurance might cover the repairs.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-collision-car-insurance-mandatory-nbsp\"><strong>Is Collision Car Insurance Mandatory?&nbsp;<\/strong><\/h2>\n\n\n\n<p><span data-contrast=\"none\">Many <\/span><a href=\"https:\/\/www.thegeneral.com\/car-insurance\/states\/%22%20\/t%20%22_blank%22%20HYPERLINK%20%22https:\/\/www.thegeneral.com\/car-insurance\/states\/%22%20\/t%20%22_blank\"><span data-contrast=\"none\">state requirements<\/span><\/a><span data-contrast=\"none\">\u202finclude <\/span><a href=\"https:\/\/www.thegeneral.com\/car-insurance\/basics\/\"><span data-contrast=\"none\">basic car insurance coverage<\/span><\/a><span data-contrast=\"none\">\u2014the combination of property damage liability insurance, bodily injury liability insurance, and <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/uninsured-motorist-insurance\/\"><span data-contrast=\"none\">uninsured or underinsured motorist insurance<\/span><\/a><span data-contrast=\"none\">. Some states may also require personal injury protection coverage. None of the states require drivers to carry\u202fcollision insurance\u202ffor them to be considered legally insured.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">Even if your state doesn\u2019t require collision insurance, you might still want it on your policy. If you were to get into an accident without\u202fcollision coverage, you would be responsible for paying for any repairs to your car. While superficial body damage can cost hundreds of dollars, repairing vital systems like the engine or suspension could range into the thousands.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">If you\u2019re financing your vehicle, your lender might require both\u202fcollision and comprehensive coverage. Banks, credit unions, and other financial institutions require\u202fcollision insurance\u202fto protect themselves against loss if your car gets totaled in an accident.&nbsp;Your lender is typically listed as a lienholder on your car insurance policy so they can seek compensation under your collision or comprehensive insurance. If your vehicle is destroyed in a collision and you lack collision insurance, you could face out-of-pocket expenses for any amounts remaining on your car loan.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">Having\u202fcollision insurance\u202fis a good idea because the potential benefits typically outweigh the cost. If you drive an older vehicle that doesn\u2019t have a high value, you might not need collision insurance, and could save money by dropping\u202fit\u202ffrom your policy. Before you do, discuss your situation with an insurance agent to make sure you\u2019re maintaining the optimal amount of insurance to fit your lifestyle.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-factors-into-my-collision-insurance-premium-nbsp\"><strong>What Factors Into My Collision Insurance Premium?&nbsp;<\/strong><\/h2>\n\n\n\n<p><span data-contrast=\"none\">Your collision insurance premium is based on several different factors, including the year, make, and model of your car or truck, the safety features installed on the vehicle, where you park your vehicle, and the average number of miles you drive per year.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">Your driving record can also help determine how much you may pay for\u202fcollision coverage. If you have a clean record without tickets or accidents, you could qualify for better rates.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">Depending on the number of incidents and their severity, a\u202f<\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/bad-driving-record-insurance\/\"><span data-contrast=\"none\">bad driving record<\/span><\/a><span data-contrast=\"none\">\u202fwith driving infractions or accidents could raise your\u202fcollision coverage\u202fpremiums. Even if the accident was not your fault, being involved could put you in a higher risk pool and result in increased premiums.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">In most states, an accident will stay on your driving record for between three and five years. Before you start shopping around for\u202fcollision car insurance, be sure to\u202f<\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/how-to-clear-your-driving-record-to-save-on-car-insurance\/%5C\"><span data-contrast=\"none\">clear your driving record<\/span><\/a><span data-contrast=\"none\">\u202fto help you get better rates. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-get-the-collision-coverage-you-need-from-the-general\"><strong>Get the Collision Coverage You Need from The General<\/strong><\/h2>\n\n\n\n<p><span class=\"TextRun SCXW98114413 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW98114413 BCX0\">No matter what you drive or your driving history, The General<\/span><span class=\"NormalTextRun SCXW98114413 BCX0\"> can help you get the right amount of\u202fcollision coverage\u202ffor you<\/span><span class=\"NormalTextRun SCXW98114413 BCX0\">. Even if your record is less than perfect, The General<\/span> <span class=\"NormalTextRun SCXW98114413 BCX0\">can help you customize a policy to keep you covered on the road.\u202f<\/span><\/span><a class=\"Hyperlink SCXW98114413 BCX0\" href=\"https:\/\/www.thegeneral.com\/quote\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW98114413 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW98114413 BCX0\" data-ccp-charstyle=\"Hyperlink\">Get a quote today<\/span><\/span><\/a><span class=\"TextRun SCXW98114413 BCX0\" lang=\"EN-US\" data-contrast=\"none\"> <span class=\"NormalTextRun SCXW98114413 BCX0\">to<\/span><span class=\"NormalTextRun SCXW98114413 BCX0\"> start saving time and money on your auto insurance plan<\/span><span class=\"NormalTextRun SCXW98114413 BCX0\">.<\/span><\/span><span class=\"EOP SCXW98114413 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn what collision coverage is and what it covers with The General. Get affordable collision insurance so you\u2019re protected if you get into an accident.<\/p>\n","protected":false},"author":7,"featured_media":2442,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[31],"tags":[],"class_list":["post-2441","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Is Collision Insurance and What Does It Cover? | The General<\/title>\n<meta name=\"description\" content=\"Learn what collision coverage is and what it covers with The General. 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