Collision Coverage

Coverage for damages to your car caused by impact with another vehicle or object.



What is Collision Insurance Coverage?
When your vehicle is damaged in an accident, collision insurance is an optional 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.


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The Benefits of Collision Insurance Coverage:

  • 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 FundTM 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, evaluate the age of your vehicle, how much you think repairs might cost you, and your willingness to pay for repairs under the amount of the deductible. For instance, if you hit a concrete barrier and you have a $500 deductible, you would pay $500 and Liberty Mutual would cover the rest of the repair costs above that amount. 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.

Experience the benefits of adding collision coverage to your auto insurance policy by starting an online quote:


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