Collision coverage is often recommended for car owners who drive newer, more expensive vehicles (or older cars that hold their value) and drivers who are required to have collision coverage on leased or financed cars.
What is collision insurance coverage?
When you run into another car, or another car runs into you, collision coverage can help you pay to repair or replace your car. This coverage also helps pay to repair or replace your car if you back into a tree, a fence and other objects (including buildings). You can file a claim for a collision loss regardless of who is at fault. To learn more about collision coverage, including how much it costs, start a free quote for car insurance with Farmers® today.
What does collision insurance generally cover?
Whether you’re hit by another car during a rush hour traffic jam or you forget to activate the parking brake and your vehicle rolls into another car, collision coverage can help you pay to repair or replace your car in these and other scenarios, regardless of who is at fault. Depending on your policy limits and deductible, collision coverage generally covers:
- Crashes with other vehicles, whether your vehicle was moving or parked
- Collisions with objects (think: fences, signs, buildings)
- Rollover crashes
What doesn’t collision generally cover?
Collision only provides coverage for damage to your insured car — not another driver’s car or property, or other types of accidents or losses. Collision coverage can be purchased, along with comprehensive and liability insurance coverages — sometimes called full coverage — to cover a broader range of losses.
Not covered by collision
Coverage could be provided by
Theft of your insured vehicle
Comprehensive
Theft of belongings from your vehicle
Personal property coverage of home, condo, or renters
Vandalism
Comprehensive
Fire, flood, hail, other natural disasters
Comprehensive
Damage to another vehicle
Property damage liability
Injury to other driver
Bodily injury liability
Injury to you or your passengers
Medical payments or personal injury protection (PIP)
Residual debt if your car is a total loss and your loan/lease balance is more than the value of the car
Residual debt coverage endorsement or vehicle replacement plus endorsement (sometimes referred to as gap coverage)
Not covered by collision
Theft of your insured vehicle
Coverage could be provided by
Comprehensive
Not covered by collision
Theft of belongings from your vehicle
Coverage could be provided by
Personal property coverage of home, condo, or renters
Not covered by collision
Vandalism
Coverage could be provided by
Comprehensive
Not covered by collision
Fire, flood, hail, other natural disasters
Coverage could be provided by
Comprehensive
Not covered by collision
Damage to another vehicle
Coverage could be provided by
Property damage liability
Not covered by collision
Injury to other driver
Coverage could be provided by
Bodily injury liability
Not covered by collision
Injury to you or your passengers
Coverage could be provided by
Medical payments or personal injury protection (PIP)
Not covered by collision
Residual debt if your car is a total loss and your loan/lease balance is more than the value of the car
Coverage could be provided by
Residual debt coverage endorsement or vehicle replacement plus endorsement (sometimes referred to as gap coverage)
Other coverages
Required by law in most states,
it covers the cost of injury to others or damage to their property
when you’re at fault.
Covers damage to your car caused
by things other than a collision,
including hail, theft, fire,
animal damage and more.
More coverage options
Learn more about other types of car insurance coverage, including windshield and glass coverage, personal umbrella, rental car reimbursement and rideshare.
This information provides only a general description of coverages, features, and potential discounts. Not all products, coverages and discounts are available in every state, and can vary by state. Eligibility requirements can vary by state. Coverages and discounts are subject to the terms, limits, provisions, exclusions, restrictions, and conditions in the policy and in applicable endorsements. Contact Farmers for details and additional information.
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