Collision Coverage
Bumper-to-Bumper Protection for Your Vehicles
Collision coverage helps pay to repair or replace your own vehicle after a collision, whether you hit another car or an object such as a guardrail, and it typically applies regardless of fault. It is optional in California but is usually required by a lender or leasing company, and you generally choose a deductible that applies to a claim.
How Much Collision Coverage is Needed?
What does it cover?
- Damage to your car from hitting another vehicle.
- Damage from hitting an object such as a fence, pole, or curb.
- Single-car accidents like a rollover.
Who needs it? Collision is often required if you finance or lease your vehicle. Even for owned cars, it may make sense when the cost to repair or replace your vehicle would be hard to cover out of pocket. You typically choose a deductible, which is the amount you pay before coverage applies.
