Collision Coverage
First party auto coverage for damage to your vehicle from collision with another object or vehicle or rollover.
Collision pays to repair or replace your car minus deductible, regardless of fault in many policies. It is optional for owned vehicles but often required by lenders. It does not cover the other party's car — that is liability property damage.
Examples
You slide on ice into a guardrail; collision pays $4,000 repair minus $500 deductible.
Common Misconceptions
Using collision for mechanical breakdown — not covered. Confusing collision with property damage liability.
Related Terms
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Back to Glossary Claims Pages AcademyThis definition is provided for informational and educational purposes. Insurance terminology may vary by jurisdiction, policy, and context. Consult a licensed professional for guidance specific to your situation.
