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Definition of Collision Insurance

Collision insurance is a type of auto insurance and will reimburse the insured claimant for damage or loss in a car accident which is the fault of the insured driver. Drivers should verify that their collision insurance covers their medical costs as well as the costs to repair or replace their car. Drivers should also verify what types of collisions are covered. Some companies only cover collisions with other cars while other policies allow insurance coverage to include coverage for collisions with cars, building structures and other types of personal or public property.

Collision insurance generally does not cover acts of God, storms and storm-related damage like hail natural disasters, damage from riots, damage from fire, or theft or damage from vandalism. If a driver needs additional coverage for these disasters they need to discuss their options with an insurance agent to determine if they should invest in comprehensive insurance coverage.

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