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.

Collision vs. Comprehensive Coverage
Collision Insurance is an optional coverage that will pay for the cost of repairs up to a total loss, in which case Liberty Mutual will give you the cash value of the vehicle. Including it on your policy requires the purchase of comprehensive coverage. While there are similarities between collision coverage and comprehensive coverage, here are the details of both:
Coverage FeatureCollision CoverageComprehensive Coverage
Optional coverage added to auto insurance policy
May be required if vehicle is leased or financed
Deductible applies in the case of a claim
Covers losses caused by a collision
Covers losses caused by damage other than a collision
Must also purchase comprehensive coverage when purchasing collision coverage

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


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