Automobile collision 2025

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Last updated: July 2023. Collision insurance is a coverage that helps pay to repair or replace your car if its damaged in an accident with another vehicle or object, such as a fence or a tree. If youre leasing or financing your car, collision coverage is typically required by the lender.
To summarize the key differences: Accident is appropriate when no negligence, intent, or recklessness was involved. An accident cannot be blamed on anyone and occurs by chance. Collision should be used when negligence or violations contribute to an incident.
What damage is not covered by collision coverage? Collision only provides coverage for damages to your vehicle. That means it wouldnt pay for damage to another persons vehicle or property. Collision also doesnt cover all damage to your vehicle.
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