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Protect your car with Collision coverage

Repairs or replaces your car when it's damaged in collisions with another vehicle or object.
What is Collision insurance coverage?
When your vehicle is damaged in an accident, collision insurance is an add-on coverage that pays the cost of repairing or replacing it, minus the amount of your deductible.

Collisions can involve another vehicle or an object, like a guardrail or a tree. If you lease or finance your vehicle, you may be required by your lender to purchase collision insurance coverage.
Two cars in a collision.
Who's it right for?
Collision coverage is right for vehicle owners who drive a car worth protecting. This includes:
Vehicles that are being leased or financed.
Newer, more expensive vehicles.
Older vehicles that still maintain good value, relative to your deductible and monthly rate.
What are the benefits?
When you enroll in collision insurance coverage, you can drive knowing your car is covered in the event of an accident.
Avoid paying out-of-pocket for repairs above the cost of your deductible.
Coverage for your loss when your damaged vehicle is deemed to be totaled.
Potentially pay nothing at all for repairing or replacing your vehicle when adding Deductible Fund alongside your collision insurance coverage.
Choosing your Collision insurance deductible
Your collision deductible is the amount of money you will pay out-of-pocket in the event that a collision damages your car. When deciding on the amount of your deductible, consider:
  • The cost of your car and its potential corresponding repairs.
  • Your willingness to pay for repairs under the amount of the deductible.
A higher collision deductible means that you will cover more of the cost of repairs when they arise, which in turn lowers your monthly premium.
Two men discussing next steps after a collision incident.
Get enrolled in Collision coverage today
Already a Liberty Mutual auto insurance customer?
If you're adding a new car to your policy or would like to apply this coverage to an existing vehicle, we'll walk you through the steps for enrollment below.
Not a Liberty Mutual auto insurance customer?
Learn more about how we can customize your auto insurance so you only pay for what you need, including Better Car Replacement coverage.