Collision Insurance 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 coverage that pays the cost of repairing or replacing it, regardless of who is at fault.

This includes collisions with another vehicle or an object, like a guardrail or a tree.

Illustration: Two cars that have collided with smoke coming out of their hoods.

Customized coverage that protects your vehicle

Do I need Collision Insurance?

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 choose collision insurance, 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 Liberty Mutual Deductible Fund® alongside your collision insurance coverage.

Common questions

1Optional coverage in some states; availability varies by state. Eligibility rules apply.