What is the function of collision coverage?

Collision coverage is specifically designed to pay for damages to your own vehicle resulting from a collision, regardless of who is at fault. This type of coverage helps ensure that you can repair or replace your vehicle if it is damaged in an accident, giving you financial protection and peace of mind after such an event.

The coverage applies to various collision scenarios, such as hitting another vehicle, rolling your car, or colliding with an object. It is an important component of auto insurance for drivers who want to minimize their out-of-pocket expenses for repairing their vehicle post-accident.

This option is distinct from other types of coverage, which are focused on different aspects of auto insurance. For example, some cover damages to other vehicles or property, while others may address medical expenses or theft, which are not the focus of collision coverage. Understanding the specific role of collision coverage helps drivers choose the right types of insurance based on their needs.