Collision Coverage
Protect your vehicle from collision damage. Whether it's a fender bender or major accident, collision coverage has you covered.
What is Collision Coverage?
Collision coverage pays for damage to your vehicle when you collide with another vehicle or object, regardless of who's at fault.
What's Covered
Vehicle-to-Vehicle Collisions
Damage from accidents with other cars, trucks, or motorcycles
Single-Vehicle Accidents
Hitting trees, poles, guardrails, or rolling over
Parking Lot Incidents
Damage from backing into objects or other vehicles
Pothole Damage
Damage from hitting potholes or road debris
Key Benefits
Choose Your Deductible
Your deductible affects both your premium and out-of-pocket costs when you file a claim.
$250
$500
$1,000
$2,500
Deductible Calculator Tip
Choose a deductible you can comfortably afford to pay out-of-pocket. A $500 deductible offers the best balance of premium savings and manageable out-of-pocket costs for most drivers.
When Do You Need Collision Coverage?
Recommended For
- • Newer vehicles (less than 10 years old)
- • Vehicles worth more than $4,000
- • Financed or leased vehicles (usually required)
- • High-value or luxury vehicles
- • Primary transportation vehicle
- • Drivers who can't afford major repairs
Consider Carefully
- • Older vehicles (more than 10 years)
- • Vehicles worth less than $4,000
- • Secondary or rarely used vehicles
- • When you have significant savings for repairs
- • High-deductible scenarios
- • Classic cars (may need specialty coverage)
Simple Claims Process
Report the Accident
Call us immediately after the accident to start your claim.
Get an Estimate
We'll arrange for a damage assessment and repair estimate.
Choose Repairs
Select your preferred repair shop or use our network.
Pay Deductible
Pay your deductible and we handle the rest with the shop.
Factors That Affect Your Premium
Vehicle Value
Higher value vehicles cost more to insure
Deductible Amount
Higher deductibles mean lower premiums
Driving Record
Clean records get better rates
Location
Urban areas typically cost more
Vehicle Age
Newer cars generally cost more
Safety Features
Safety equipment can reduce costs
Protect Your Vehicle Investment
Don't risk paying thousands out-of-pocket for collision damage. Get comprehensive collision coverage today.